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    <title>The Ramsey Show - App</title>
    <link>https://www.ramseysolutions.com/store/digital-products/ramsey-network-app</link>
    <language>en</language>
    <copyright>2022</copyright>
    <description>Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com.</description>
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      <title>The Ramsey Show - App</title>
      <link>https://www.ramseysolutions.com/store/digital-products/ramsey-network-app</link>
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    <itunes:type>episodic</itunes:type>
    <itunes:subtitle></itunes:subtitle>
    <itunes:author>Ramsey Network</itunes:author>
    <itunes:summary>Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com.</itunes:summary>
    <content:encoded>
      <![CDATA[<p>Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com.</p>]]>
    </content:encoded>
    <itunes:owner>
      <itunes:name></itunes:name>
      <itunes:email>eric.cieslewicz@ramseysolutions.com</itunes:email>
    </itunes:owner>
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    <item>
      <title>When Money Gets Complicated, Clarity and Wisdom Matter Most</title>
      <description>💵 ⁠⁠Your Money Questions Answered by Ask Ramsey!⁠⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



Jade Warshaw and George Kamel answer your questions and discuss:


  "We have $153,000 of debt, should we file for bankruptcy?"

  "My husband accused me of overspending and put restrictions on my access to our finances. What should I do?"

  "My parents want me to take over their Parent PLUS loans"

  "I owe my college $36,000 and they want me to settle the balance within the next 6 months. What should I do?"

  "Should we gift our inherited home to our mother?"

  "How should I spend my bonus?"

  "Everyone is saying there will be a market correction, should I move my retirement funds into a money market?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

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💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠⁠Your Money Questions Answered by Ask Ramsey!⁠⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



Jade Warshaw and George Kamel answer your questions and discuss:


  "We have $153,000 of debt, should we file for bankruptcy?"

  "My husband accused me of overspending and put restrictions on my access to our finances. What should I do?"

  "My parents want me to take over their Parent PLUS loans"

  "I owe my college $36,000 and they want me to settle the balance within the next 6 months. What should I do?"

  "Should we gift our inherited home to our mother?"

  "How should I spend my bonus?"

  "Everyone is saying there will be a market correction, should I move my retirement funds into a money market?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

🤔 ⁠⁠⁠Think you're good with money? Take our free quiz!⁠⁠⁠

🚢 ⁠⁠⁠Book your cabin: Save $300 this week only! ⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://ramsey.solutions/1fag4p">⁠⁠Your Money Questions Answered by Ask Ramsey!⁠⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠Book your cabin: Save $300 this week only! ⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"We have $153,000 of debt, should we file for bankruptcy?"</li>
  <li>"My husband accused me of overspending and put restrictions on my access to our finances. What should I do?"</li>
  <li>"My parents want me to take over their Parent PLUS loans"</li>
  <li>"I owe my college $36,000 and they want me to settle the balance within the next 6 months. What should I do?"</li>
  <li>"Should we gift our inherited home to our mother?"</li>
  <li>"How should I spend my bonus?"</li>
  <li>"Everyone is saying there will be a market correction, should I move my retirement funds into a money market?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤔 <a href="https://ter.li/vqz8kk">⁠⁠⁠Think you're good with money? Take our free quiz!⁠⁠⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠⁠Book your cabin: Save $300 this week only! ⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/x0jllq">⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
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  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6933</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fc7623ca-9a53-11f0-be6b-3b2a1b0455fa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1037542111.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Girlfriend’s Pregnant and I’m Scared</title>
      <description>💵 ⁠Your Money Questions Answered by Ask Ramsey!⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  “I just learned my girlfriend is pregnant. How do I financially prepare for this?”

  “How do I convince my mom to not buy a life insurance policy for $500,000 a year?”

  “How do I help my dad pay off $90,000 of credit card debt?”

  “I’m receiving a $200,000 trust from my grandparents, what should we do with this?”

  “How can I navigate losing access to my husband’s accounts to pay bills?”

  “I’m 48, what do I need to do to retire as a millionaire?”

  “How much should I help my young married son and his wife?”

  “How do I budget when my income is inconsistent?”

  “I’m $70,000 underwater on my mortgage. How should I navigate this?”

  “I’m living paycheck-to-paycheck and can’t seem to get ahead”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

🚢 ⁠⁠⁠Book your cabin: Save $300 this week only! ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 28 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠Your Money Questions Answered by Ask Ramsey!⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  “I just learned my girlfriend is pregnant. How do I financially prepare for this?”

  “How do I convince my mom to not buy a life insurance policy for $500,000 a year?”

  “How do I help my dad pay off $90,000 of credit card debt?”

  “I’m receiving a $200,000 trust from my grandparents, what should we do with this?”

  “How can I navigate losing access to my husband’s accounts to pay bills?”

  “I’m 48, what do I need to do to retire as a millionaire?”

  “How much should I help my young married son and his wife?”

  “How do I budget when my income is inconsistent?”

  “I’m $70,000 underwater on my mortgage. How should I navigate this?”

  “I’m living paycheck-to-paycheck and can’t seem to get ahead”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

🚢 ⁠⁠⁠Book your cabin: Save $300 this week only! ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://ramsey.solutions/1fag4p">⁠Your Money Questions Answered by Ask Ramsey!⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠Book your cabin: Save $300 this week only! ⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“I just learned my girlfriend is pregnant. How do I financially prepare for this?”</li>
  <li>“How do I convince my mom to not buy a life insurance policy for $500,000 a year?”</li>
  <li>“How do I help my dad pay off $90,000 of credit card debt?”</li>
  <li>“I’m receiving a $200,000 trust from my grandparents, what should we do with this?”</li>
  <li>“How can I navigate losing access to my husband’s accounts to pay bills?”</li>
  <li>“I’m 48, what do I need to do to retire as a millionaire?”</li>
  <li>“How much should I help my young married son and his wife?”</li>
  <li>“How do I budget when my income is inconsistent?”</li>
  <li>“I’m $70,000 underwater on my mortgage. How should I navigate this?”</li>
  <li>“I’m living paycheck-to-paycheck and can’t seem to get ahead”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠⁠Book your cabin: Save $300 this week only! ⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 ⁠⁠<a href="https://ter.li/s0mfrt">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
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  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6850</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fc3e0580-9a53-11f0-be6b-631b8f876055]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5175294008.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Make the Same Money Mistakes and Get Better Outcomes</title>
      <description>💵 ⁠⁠Get Money Help from Ask Ramsey!⁠⁠

🚢 ⁠Book your cabin: Save $300 this week only! ⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "I started a paranormal investigation company with my friend. Can I make this my full-time job?"

  "I got scammed out of $38,000. We found the scammer and got a judgement against him. How do I collect my money?"

  "How do I maintain my credit score?"

  "My HOA wants us to pay a $5,000 special assessment fee. Should we just sell our house and move?"

  "Should I keep my whole life insurance policy?"

  "How can I live sustainably when my mortgage is 65% of my income?". 




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 27 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠⁠Get Money Help from Ask Ramsey!⁠⁠

🚢 ⁠Book your cabin: Save $300 this week only! ⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "I started a paranormal investigation company with my friend. Can I make this my full-time job?"

  "I got scammed out of $38,000. We found the scammer and got a judgement against him. How do I collect my money?"

  "How do I maintain my credit score?"

  "My HOA wants us to pay a $5,000 special assessment fee. Should we just sell our house and move?"

  "Should I keep my whole life insurance policy?"

  "How can I live sustainably when my mortgage is 65% of my income?". 




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://ramsey.solutions/quk7s3">⁠⁠Get Money Help from Ask Ramsey!⁠⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠Book your cabin: Save $300 this week only! ⁠</a></p>
<p><br></p>
<p>George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"I started a paranormal investigation company with my friend. Can I make this my full-time job?"</li>
  <li>"I got scammed out of $38,000. We found the scammer and got a judgement against him. How do I collect my money?"</li>
  <li>"How do I maintain my credit score?"</li>
  <li>"My HOA wants us to pay a $5,000 special assessment fee. Should we just sell our house and move?"</li>
  <li>"Should I keep my whole life insurance policy?"</li>
  <li>"How can I live sustainably when my mortgage is 65% of my income?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/j5zk7f">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠Book your cabin: Save $300 this week only! ⁠⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
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    </item>
    <item>
      <title>You Don’t Escape Debt by Waiting—You Escape by Acting</title>
      <description>💵 ⁠Get Money Help from Ask Ramsey!⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



Due to severe weather and an ice storm impacting our area, our team wasn’t able to produce a live show today. We hope you enjoy this compilation from past episodes and we'll be back with a live show soon!



Dave Ramsey and Ken Coleman answer your questions and discuss:


  I am getting calls regarding debt on my deceased father. How do I handle this?

  What's the best way to start the Baby Steps?

  My dad wants me to pay for his life insurance

  I'm afraid to pay off my debt

  I've been fired twice and we're drowning in debt

  Mother-in-law ran up $14K on our joint credit card




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

💸 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠

🚢 ⁠⁠⁠⁠⁠⁠Set Sail with Dave Ramsey! Book your cabin today.⁠⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 26 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>💵 ⁠Get Money Help from Ask Ramsey!⁠

🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠



Due to severe weather and an ice storm impacting our area, our team wasn’t able to produce a live show today. We hope you enjoy this compilation from past episodes and we'll be back with a live show soon!



Dave Ramsey and Ken Coleman answer your questions and discuss:


  I am getting calls regarding debt on my deceased father. How do I handle this?

  What's the best way to start the Baby Steps?

  My dad wants me to pay for his life insurance

  I'm afraid to pay off my debt

  I've been fired twice and we're drowning in debt

  Mother-in-law ran up $14K on our joint credit card




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

💸 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠

🚢 ⁠⁠⁠⁠⁠⁠Set Sail with Dave Ramsey! Book your cabin today.⁠⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://ramsey.solutions/quk7s3">⁠Get Money Help from Ask Ramsey!⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠Book your cabin: Save $300 this week only! ⁠⁠</a></p>
<p><br></p>
<p>Due to severe weather and an ice storm impacting our area, our team wasn’t able to produce a live show today. We hope you enjoy this compilation from past episodes and we'll be back with a live show soon!</p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>I am getting calls regarding debt on my deceased father. How do I handle this?</li>
  <li>What's the best way to start the Baby Steps?</li>
  <li>My dad wants me to pay for his life insurance</li>
  <li>I'm afraid to pay off my debt</li>
  <li>I've been fired twice and we're drowning in debt</li>
  <li>Mother-in-law ran up $14K on our joint credit card</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💸 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠⁠⁠⁠⁠⁠Set Sail with Dave Ramsey! Book your cabin today.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>7104</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c6bd4744-fb07-11f0-ac1c-1f92782cdecf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1801991654.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Parents Just Told Me I Owe Them $114K</title>
      <description>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How should I respond to my parents asking for my 529 funds to be repaid?"

  "How can I build wealth so I can leave an abusive situation?"

  "My husband bought a home without telling me, should I be concerned about this?"

  "How do I address my girlfriend's debt before proposing to her?"

  "How much of my income should be my mortgage payment?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 23 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How should I respond to my parents asking for my 529 funds to be repaid?"

  "How can I build wealth so I can leave an abusive situation?"

  "My husband bought a home without telling me, should I be concerned about this?"

  "How do I address my girlfriend's debt before proposing to her?"

  "How much of my income should be my mortgage payment?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠

🚢 ⁠Set Sail with Dave Ramsey! Book your cabin today.⁠

💻 ⁠Need help with your taxes? See who we trust.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


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  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How should I respond to my parents asking for my 529 funds to be repaid?"</li>
  <li>"How can I build wealth so I can leave an abusive situation?"</li>
  <li>"My husband bought a home without telling me, should I be concerned about this?"</li>
  <li>"How do I address my girlfriend's debt before proposing to her?"</li>
  <li>"How much of my income should be my mortgage payment?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📲 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/5qko9m">⁠⁠For help with investing, get connected with a SmartVestor Pro⁠</a></p>
<p>💵 <a href="https://ter.li/vqz8kk">⁠Think you're good with money? Take our free quiz!⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠Set Sail with Dave Ramsey! Book your cabin today.⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
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</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
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  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7128</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fac79306-9a53-11f0-be6b-8730cf33d3c3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1839258974.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Clarity With Money Brings Peace At Every Stage Of Life</title>
      <description>💵 ⁠Didn’t Get Your Question Answered? Get Answers Here!⁠



Jade Warshaw and George Kamel answer your questions and discuss:


  "Is it normal to be in debt to your spouse?"

  "How much can I spend in retirement?"

  "How can I get my husband to open up about his finances?"

  "My 52-year-old daughter is making our home a living nightmare. How do we kick her out?"

  "We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet".




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

🛡️ ⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠

💻 ⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠

🚢 ⁠Set Sail with Dave Ramsey! Book your cabin today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


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  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 22 Jan 2026 11:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠Didn’t Get Your Question Answered? Get Answers Here!⁠



Jade Warshaw and George Kamel answer your questions and discuss:


  "Is it normal to be in debt to your spouse?"

  "How much can I spend in retirement?"

  "How can I get my husband to open up about his finances?"

  "My 52-year-old daughter is making our home a living nightmare. How do we kick her out?"

  "We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet".




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

🛡️ ⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠

💻 ⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠

🚢 ⁠Set Sail with Dave Ramsey! Book your cabin today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a>⁠Didn’t Get Your Question Answered? Get Answers Here!⁠</a></p>
<p><br></p>
<p>Jade Warshaw and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Is it normal to be in debt to your spouse?"</li>
  <li>"How much can I spend in retirement?"</li>
  <li>"How can I get my husband to open up about his finances?"</li>
  <li>"My 52-year-old daughter is making our home a living nightmare. How do we kick her out?"</li>
  <li>"We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>📲 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vqz8kk">⁠Think you're good with money? Take our free quiz!⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠</a></p>
<p>🚢 <a href="https://ter.li/i6n69l">⁠Set Sail with Dave Ramsey! Book your cabin today.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6899</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fafdeec4-9a53-11f0-be6b-7b22b55ebc99]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4342872521.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Refuses To Work And Still Lives Off His Parents</title>
      <description>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "My husband refuses to get a job, I'm worried he is going to ruin us financially"

  "I'm $350,000 in debt, should I file for bankruptcy?"

  "Should I finish Baby Step 2 before buying my home?"

  "Am I wrong to ask my daughter to pay rent and contribute to grocery costs?"

  "Should we sell our double-wide?"

  "We don't have anything saved for retirement, where do we start?"

  "My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?"

  "Our contractor keeps missing deadlines for our home addition. Should we fire him?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Wed, 21 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "My husband refuses to get a job, I'm worried he is going to ruin us financially"

  "I'm $350,000 in debt, should I file for bankruptcy?"

  "Should I finish Baby Step 2 before buying my home?"

  "Am I wrong to ask my daughter to pay rent and contribute to grocery costs?"

  "Should we sell our double-wide?"

  "We don't have anything saved for retirement, where do we start?"

  "My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?"

  "Our contractor keeps missing deadlines for our home addition. Should we fire him?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠</a></p>
<p><br></p>
<p>Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"My husband refuses to get a job, I'm worried he is going to ruin us financially"</li>
  <li>"I'm $350,000 in debt, should I file for bankruptcy?"</li>
  <li>"Should I finish Baby Step 2 before buying my home?"</li>
  <li>"Am I wrong to ask my daughter to pay rent and contribute to grocery costs?"</li>
  <li>"Should we sell our double-wide?"</li>
  <li>"We don't have anything saved for retirement, where do we start?"</li>
  <li>"My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?"</li>
  <li>"Our contractor keeps missing deadlines for our home addition. Should we fire him?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📲 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/5qko9m">⁠For help with investing, get connected with a SmartVestor Pro⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p>💵 <a href="https://ter.li/vqz8kk">⁠Think you're good with money? Take our free quiz!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6918</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fb33e0a6-9a53-11f0-be6b-c3194a890f66]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6821974600.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"I've Been Doing OnlyFans For 3 Years And Want Out"</title>
      <description>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "I'm burnt out from doing OnlyFans, how do I get out of this?"

  "My mom is resentful that they are still paying my student loans. Should I take on the payments?"

  "Should I buy a house to flip in order to pay off $40,000 of debt?"

  "What is extendable term-life insurance?"

  "My husband doesn't want to pay off our debt even though we have the money to do so". 




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

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💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 20 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "I'm burnt out from doing OnlyFans, how do I get out of this?"

  "My mom is resentful that they are still paying my student loans. Should I take on the payments?"

  "Should I buy a house to flip in order to pay off $40,000 of debt?"

  "What is extendable term-life insurance?"

  "My husband doesn't want to pay off our debt even though we have the money to do so". 




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠Think you're good with money? Take our free quiz!⁠⁠

📲 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠⁠⁠

💻 ⁠Need help with your taxes? See who we trust.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"I'm burnt out from doing OnlyFans, how do I get out of this?"</li>
  <li>"My mom is resentful that they are still paying my student loans. Should I take on the payments?"</li>
  <li>"Should I buy a house to flip in order to pay off $40,000 of debt?"</li>
  <li>"What is extendable term-life insurance?"</li>
  <li>"My husband doesn't want to pay off our debt even though we have the money to do so". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <a href="https://ter.li/vqz8kk">⁠⁠Think you're good with money? Take our free quiz!⁠⁠</a></p>
<p>📲 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/x0jllq">⁠Get organized and prepared to buy or sell a home⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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</li>
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  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
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  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6891</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fb69d738-9a53-11f0-be6b-1b64229010e1]]></guid>
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    </item>
    <item>
      <title>You Don’t Get Out of Debt by Accident—Choose Your Hard</title>
      <description>❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  “I feel let down by my husband’s spending habits?”

  ”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”

  “I keep going deeper into debt because of my spending habits”

  “Our home mortgage is 40% of our income, should we refinance?”

  “How do I talk to my in-laws about the $48,000 my wife owes them?”

  “We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”

  “How are we supposed to pay $2459 for health insurance premiums?”

  “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”

  “What’s the difference between sinking funds and recurring expenses?”

  “My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”

  “We’re $176,000 in debt, should we sell our cars?”

  “How do I pay off debt and plan for the future as a single mom?”

  “My mortgage has a balloon payment, how do I pay this off?”


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

🛡️ ⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠

🏢 ⁠⁠Join the Crusade! Apply Now!⁠⁠

📲 ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠



Connect With Our Sponsors:


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  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 19 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  “I feel let down by my husband’s spending habits?”

  ”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”

  “I keep going deeper into debt because of my spending habits”

  “Our home mortgage is 40% of our income, should we refinance?”

  “How do I talk to my in-laws about the $48,000 my wife owes them?”

  “We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”

  “How are we supposed to pay $2459 for health insurance premiums?”

  “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”

  “What’s the difference between sinking funds and recurring expenses?”

  “My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”

  “We’re $176,000 in debt, should we sell our cars?”

  “How do I pay off debt and plan for the future as a single mom?”

  “My mortgage has a balloon payment, how do I pay this off?”


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

🛡️ ⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠

🏢 ⁠⁠Join the Crusade! Apply Now!⁠⁠

📲 ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

💵 ⁠Think you're good with money? Take our free quiz!⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“I feel let down by my husband’s spending habits?”</li>
  <li>”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”</li>
  <li>“I keep going deeper into debt because of my spending habits”</li>
  <li>“Our home mortgage is 40% of our income, should we refinance?”</li>
  <li>“How do I talk to my in-laws about the $48,000 my wife owes them?”</li>
  <li>“We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”</li>
  <li>“How are we supposed to pay $2459 for health insurance premiums?”</li>
  <li>“Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”</li>
  <li>“What’s the difference between sinking funds and recurring expenses?”</li>
  <li>“My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”</li>
  <li>“We’re $176,000 in debt, should we sell our cars?”</li>
  <li>“How do I pay off debt and plan for the future as a single mom?”</li>
  <li>“My mortgage has a balloon payment, how do I pay this off?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠</a>.</p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠</a></p>
<p>🏢 <a href="https://jobs.jobvite.com/daveramsey?_ga=2.69245715.2057109761.1697655841-817435790.1629741708&amp;__jvst=Podcast">⁠⁠Join the Crusade! Apply Now!⁠⁠</a></p>
<p>📲 <a href="https://ramsey.solutions/6okro3">⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p>💵 <a href="https://ter.li/vqz8kk">⁠Think you're good with money? Take our free quiz!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6941</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fb9f3554-9a53-11f0-be6b-477784e2482a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4248935791.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"I’m 50 With No Retirement Living Paycheck-to-Paycheck"</title>
      <description>❓⁠Have a money question? Ask Ramsey is here to help!⁠



Ken Coleman and George Kamel answer your questions and discuss:


  “How do I stop living paycheck to paycheck?”

  “Should we pay the student loans my mother-in-law is supposed to pay?”

  “Should we buy a home when we move to a different state?”

  “How much should we be spending on a vacation?”

  “We have a collection company coming after us for money we don’t owe. How should we handle this situation?”

  “Why won’t my wife live in an RV with me?”

  “I am under contract for a house with leased solar panels. Should I back out of this deal?”

  “Should we keep helping our daughter financially after her divorce?”

  “Should I buy a new truck or keep my old one?”

  “My husband doesn’t want to use our savings to pay off our home”

  “Can we afford a $500k house?”

  “Is my sister still responsible to make payments towards renovations on a home we co-own?”

  “How can I get out of $434,000 of debt?”

  “How fast should I be saving my fully-funded emergency fund?”

  “Should my husband change careers to make more money?”


Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 16 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠Have a money question? Ask Ramsey is here to help!⁠



Ken Coleman and George Kamel answer your questions and discuss:


  “How do I stop living paycheck to paycheck?”

  “Should we pay the student loans my mother-in-law is supposed to pay?”

  “Should we buy a home when we move to a different state?”

  “How much should we be spending on a vacation?”

  “We have a collection company coming after us for money we don’t owe. How should we handle this situation?”

  “Why won’t my wife live in an RV with me?”

  “I am under contract for a house with leased solar panels. Should I back out of this deal?”

  “Should we keep helping our daughter financially after her divorce?”

  “Should I buy a new truck or keep my old one?”

  “My husband doesn’t want to use our savings to pay off our home”

  “Can we afford a $500k house?”

  “Is my sister still responsible to make payments towards renovations on a home we co-own?”

  “How can I get out of $434,000 of debt?”

  “How fast should I be saving my fully-funded emergency fund?”

  “Should my husband change careers to make more money?”


Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠Need help with your taxes? See who we trust.⁠

Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠Have a money question? Ask Ramsey is here to help!⁠</a></p>
<p><br></p>
<p>Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>“How do I stop living paycheck to paycheck?”</li>
  <li>“Should we pay the student loans my mother-in-law is supposed to pay?”</li>
  <li>“Should we buy a home when we move to a different state?”</li>
  <li>“How much should we be spending on a vacation?”</li>
  <li>“We have a collection company coming after us for money we don’t owe. How should we handle this situation?”</li>
  <li>“Why won’t my wife live in an RV with me?”</li>
  <li>“I am under contract for a house with leased solar panels. Should I back out of this deal?”</li>
  <li>“Should we keep helping our daughter financially after her divorce?”</li>
  <li>“Should I buy a new truck or keep my old one?”</li>
  <li>“My husband doesn’t want to use our savings to pay off our home”</li>
  <li>“Can we afford a $500k house?”</li>
  <li>“Is my sister still responsible to make payments towards renovations on a home we co-own?”</li>
  <li>“How can I get out of $434,000 of debt?”</li>
  <li>“How fast should I be saving my fully-funded emergency fund?”</li>
  <li>“Should my husband change careers to make more money?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠Protect yourself with trusted insurance coverage that fits your budget.⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><strong></strong></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠ ⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7127</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fa5bfc7c-9a53-11f0-be6b-1bb5c00f9d6b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4237433014.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quiet The Chaos And Solve For Peace</title>
      <description>❓⁠Have a money question? Ask Ramsey is here to help!⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "My husband is about to go to prison for several years, how should we prepare our finances?"

  "How can I get my 19-year-old son to be responsible for his expenses?"

  "I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?"

  "Are we spending too much on building our home?"

  "Should I share my inheritance with my brothers?"

  "Should I sell my car?".




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💻 ⁠Need help with your taxes? See who we trust.⁠



Connect With Our Sponsors:


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  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 15 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠Have a money question? Ask Ramsey is here to help!⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "My husband is about to go to prison for several years, how should we prepare our finances?"

  "How can I get my 19-year-old son to be responsible for his expenses?"

  "I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?"

  "Are we spending too much on building our home?"

  "Should I share my inheritance with my brothers?"

  "Should I sell my car?".




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💻 ⁠Need help with your taxes? See who we trust.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠Have a money question? Ask Ramsey is here to help!⁠</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My husband is about to go to prison for several years, how should we prepare our finances?"</li>
  <li>"How can I get my 19-year-old son to be responsible for his expenses?"</li>
  <li>"I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?"</li>
  <li>"Are we spending too much on building our home?"</li>
  <li>"Should I share my inheritance with my brothers?"</li>
  <li>"Should I sell my car?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>🏠 <a href="https://ter.li/j5zk7f">⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>💻 <a href="https://ter.li/x7t76q">⁠Need help with your taxes? See who we trust.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
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  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6884</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fa25bda6-9a53-11f0-be6b-9b8e42c5ef87]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8045190802.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"We're In $580k Of Debt At This Point"</title>
      <description>❓⁠Have a money question? Ask Ramsey is here to help!⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "Should I file for bankruptcy? "

  "How do I move on after financial and emotional infidelity?"

  "I'm retired and I have never invested my money"

  "Is it a good idea to spend money on a birthday vacation for my daughter?"

  "What happens to debt if I die before paying it off?"

  "Should I use my HELOC to pay off my other debt?"

  "My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?"

  "Do we have too much of our wealth tied up in our home?".




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠

🏢 ⁠⁠Join the Crusade! Apply Now!⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

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  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 14 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠Have a money question? Ask Ramsey is here to help!⁠



George Kamel and Rachel Cruze answer your questions and discuss:


  "Should I file for bankruptcy? "

  "How do I move on after financial and emotional infidelity?"

  "I'm retired and I have never invested my money"

  "Is it a good idea to spend money on a birthday vacation for my daughter?"

  "What happens to debt if I die before paying it off?"

  "Should I use my HELOC to pay off my other debt?"

  "My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?"

  "Do we have too much of our wealth tied up in our home?".




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠

🏢 ⁠⁠Join the Crusade! Apply Now!⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠Have a money question? Ask Ramsey is here to help!⁠</a></p>
<p><br></p>
<p>George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Should I file for bankruptcy? "</li>
  <li>"How do I move on after financial and emotional infidelity?"</li>
  <li>"I'm retired and I have never invested my money"</li>
  <li>"Is it a good idea to spend money on a birthday vacation for my daughter?"</li>
  <li>"What happens to debt if I die before paying it off?"</li>
  <li>"Should I use my HELOC to pay off my other debt?"</li>
  <li>"My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?"</li>
  <li>"Do we have too much of our wealth tied up in our home?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏢 <a href="https://jobs.jobvite.com/daveramsey?_ga=2.69245715.2057109761.1697655841-817435790.1629741708&amp;__jvst=Podcast">⁠⁠Join the Crusade! Apply Now!⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠Protect yourself with trusted insurance coverage that fits your budget.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
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  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6846</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fa91b74a-9a53-11f0-be6b-63f20ac9ee83]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9408536603.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There Is Hope When Debt and Life Feel Overwhelming</title>
      <description>❓⁠Have a money question? Ask Ramsey is here to help!⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we deal with the $300,000 of debt my wife racked up in predatory loans?"

  "How can I get my wife to understand she needs to contribute to our finances?"

  "I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?"

  "Should I split my retirement contributions into different accounts?"

  "My house needs repairs but I can't afford it. What should I do?"

  "How do we go about paying off our debt? ". 


 

Next Steps:

💵 ⁠What is a 529 Plan?⁠

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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠

📈 What is a 529 Plan?



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

 

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 13 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>❓⁠Have a money question? Ask Ramsey is here to help!⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we deal with the $300,000 of debt my wife racked up in predatory loans?"

  "How can I get my wife to understand she needs to contribute to our finances?"

  "I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?"

  "Should I split my retirement contributions into different accounts?"

  "My house needs repairs but I can't afford it. What should I do?"

  "How do we go about paying off our debt? ". 


 

Next Steps:

💵 ⁠What is a 529 Plan?⁠

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠

📈 What is a 529 Plan?



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

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  If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

 

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>❓<a href="https://ter.li/hldjxk">⁠Have a money question? Ask Ramsey is here to help!⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do we deal with the $300,000 of debt my wife racked up in predatory loans?"</li>
  <li>"How can I get my wife to understand she needs to contribute to our finances?"</li>
  <li>"I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?"</li>
  <li>"Should I split my retirement contributions into different accounts?"</li>
  <li>"My house needs repairs but I can't afford it. What should I do?"</li>
  <li>"How do we go about paying off our debt? ". </li>
</ul>
<p> </p>
<p><strong>Next Steps:</strong></p>
<p>💵 <a href="https://ter.li/ad9q4v">⁠What is a 529 Plan?⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠</a>.</p>
<p>💵 ⁠<a href="https://ramsey.solutions/6okro3">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ramsey.solutions/dpmnqk">What is a 529 Plan?</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠George Kamel⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6837</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f9ec3068-9a53-11f0-be6b-a3aabc6bcf71]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1255362534.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dwelling On Past Mistakes Won't Benefit Your Future Growth</title>
      <description>💵 ⁠⁠Money question? We’ve got your answer. Try Ask Ramsey for free today.⁠⁠

Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Derek: Should I file for bankruptcy?" 

  "Should I cash out my 401(k) to pay off a 401(k) loan?"

  "Section 8 housing is being built across the street from my house, should we move?"

  "Should I change careers if it leads to a 40% pay cut?"

  "I owe more on my car than what it's worth, how do I get out of this situation?"

  "My sister-in-law owes me $14,000 I loaned her 7 years ago. How do I get her to finally pay me back?"

  "I want to be in a relationship but I don't ever want to get married. How should I be structuring my finances?"

  "Should I use a VA loan?".


 

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

🏢 ⁠Join the Crusade! Apply Now!⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠
💻 Need help with your taxes? See who we trust.

 

Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠Christian Brothers Automotive⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today!


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

 

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 12 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠⁠Money question? We’ve got your answer. Try Ask Ramsey for free today.⁠⁠

Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Derek: Should I file for bankruptcy?" 

  "Should I cash out my 401(k) to pay off a 401(k) loan?"

  "Section 8 housing is being built across the street from my house, should we move?"

  "Should I change careers if it leads to a 40% pay cut?"

  "I owe more on my car than what it's worth, how do I get out of this situation?"

  "My sister-in-law owes me $14,000 I loaned her 7 years ago. How do I get her to finally pay me back?"

  "I want to be in a relationship but I don't ever want to get married. How should I be structuring my finances?"

  "Should I use a VA loan?".


 

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

🏢 ⁠Join the Crusade! Apply Now!⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠
💻 Need help with your taxes? See who we trust.

 

Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠⁠BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠⁠Christian Brothers Automotive⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today!


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

 

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://www.ramseysolutions.com/?utm_source=youtube_the_ramsey_show&amp;utm_medium=organic_video&amp;utm_campaign=ffp-askramsey&amp;utm_term=ramsey_network_bu&amp;utm_content=ramsey%20network%20-%20description%20-%20getanswers%20-%20010126%20https://ramsey.solutions/eqlov6">⁠⁠Money question? We’ve got your answer. Try Ask Ramsey for free today.⁠⁠</a></p>
<p>Jade Warshaw and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Derek: Should I file for bankruptcy?" </li>
  <li>"Should I cash out my 401(k) to pay off a 401(k) loan?"</li>
  <li>"Section 8 housing is being built across the street from my house, should we move?"</li>
  <li>"Should I change careers if it leads to a 40% pay cut?"</li>
  <li>"I owe more on my car than what it's worth, how do I get out of this situation?"</li>
  <li>"My sister-in-law owes me $14,000 I loaned her 7 years ago. How do I get her to finally pay me back?"</li>
  <li>"I want to be in a relationship but I don't ever want to get married. How should I be structuring my finances?"</li>
  <li>"Should I use a VA loan?".</li>
</ul>
<p> </p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ ⁠send us an email⁠⁠⁠</a>.</p>
<p>🏢 <a href="https://jobs.jobvite.com/daveramsey?_ga=2.69245715.2057109761.1697655841-817435790.1629741708&amp;__jvst=Podcast">⁠Join the Crusade! Apply Now!⁠</a></p>
<p>💵 ⁠<a href="https://ramsey.solutions/6okro3">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠Protect yourself with trusted insurance coverage that fits your budget.⁠</a>
💻 <a href="https://ter.li/x7t76q">Need help with your taxes? See who we trust.</a>

 </p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today!</li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠The Dr. John Delony Show⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠Smart Money Happy Hour⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠The Rachel Cruze Show⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠George Kamel⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠EntreLeadership⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6852</itunes:duration>
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    </item>
    <item>
      <title>Comfort Is The Enemy Of Progress - Attack Your Debt Now!</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "I cosigned a motorcycle with my ex-boyfriend and he's stopped making payments. What should I do to get out of this?"

  "How do I get my husband to acknowledge the fact that I am a partner in his business?"

  "Are health insurance alternatives a good idea?"

  "I'm 50 years-old and I need a surgery. I have nothing saved, should I pause the Baby Steps so I can afford this?"

  "My wife wants to move because of roaches, I'd rather use the money to pay off debt instead. What should we do?"

  "Should we move in with my wife's grandmother to pay off our debt faster?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Fri, 09 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "I cosigned a motorcycle with my ex-boyfriend and he's stopped making payments. What should I do to get out of this?"

  "How do I get my husband to acknowledge the fact that I am a partner in his business?"

  "Are health insurance alternatives a good idea?"

  "I'm 50 years-old and I need a surgery. I have nothing saved, should I pause the Baby Steps so I can afford this?"

  "My wife wants to move because of roaches, I'd rather use the money to pay off debt instead. What should we do?"

  "Should we move in with my wife's grandmother to pay off our debt faster?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"I cosigned a motorcycle with my ex-boyfriend and he's stopped making payments. What should I do to get out of this?"</li>
  <li>"How do I get my husband to acknowledge the fact that I am a partner in his business?"</li>
  <li>"Are health insurance alternatives a good idea?"</li>
  <li>"I'm 50 years-old and I need a surgery. I have nothing saved, should I pause the Baby Steps so I can afford this?"</li>
  <li>"My wife wants to move because of roaches, I'd rather use the money to pay off debt instead. What should we do?"</li>
  <li>"Should we move in with my wife's grandmother to pay off our debt faster?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/j5zk7f">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/h7l4s1">⁠Get your copy of What No One Tells You About Money today.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠<strong>BetterHelp</strong>⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6871</itunes:duration>
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    </item>
    <item>
      <title>Wisdom With Money Means Moving Slowly</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  “How can I make my relationship last when we don’t get along?”

  “Our house is 40% of our take home pay, should we sell?”

  “I’m worried about only having $1,000 saved when my car could break down at any point”

  “How do I untangle my wife’s business expenses from our personal expenses?”

  “I received a $450,000 inheritance, what should I do with it?”

  “Should I have my car repaired or buy a new one?”

  “How do I get out of student loans when I’m struggling to find a job? I’ve applied to over 2000″

  “Should I pull from my emergency fund or sinking fund?”

  “Should I prioritize paying off my house before I retire?”

  “Do we need more life insurance on top of what our employer provides?”

  “Should I get a mortgage so that I can avoid tax penalties?”

  “I’m 28 years old with $750,000 worth of real estate debt. How do I pay this off?”

  “Should we buy a home with my father?”


Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

🏠 ⁠⁠Get organized and prepared to buy or sell a home⁠⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Thu, 08 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  “How can I make my relationship last when we don’t get along?”

  “Our house is 40% of our take home pay, should we sell?”

  “I’m worried about only having $1,000 saved when my car could break down at any point”

  “How do I untangle my wife’s business expenses from our personal expenses?”

  “I received a $450,000 inheritance, what should I do with it?”

  “Should I have my car repaired or buy a new one?”

  “How do I get out of student loans when I’m struggling to find a job? I’ve applied to over 2000″

  “Should I pull from my emergency fund or sinking fund?”

  “Should I prioritize paying off my house before I retire?”

  “Do we need more life insurance on top of what our employer provides?”

  “Should I get a mortgage so that I can avoid tax penalties?”

  “I’m 28 years old with $750,000 worth of real estate debt. How do I pay this off?”

  “Should we buy a home with my father?”


Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

🏠 ⁠⁠Get organized and prepared to buy or sell a home⁠⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>“How can I make my relationship last when we don’t get along?”</li>
  <li>“Our house is 40% of our take home pay, should we sell?”</li>
  <li>“I’m worried about only having $1,000 saved when my car could break down at any point”</li>
  <li>“How do I untangle my wife’s business expenses from our personal expenses?”</li>
  <li>“I received a $450,000 inheritance, what should I do with it?”</li>
  <li>“Should I have my car repaired or buy a new one?”</li>
  <li>“How do I get out of student loans when I’m struggling to find a job? I’ve applied to over 2000″</li>
  <li>“Should I pull from my emergency fund or sinking fund?”</li>
  <li>“Should I prioritize paying off my house before I retire?”</li>
  <li>“Do we need more life insurance on top of what our employer provides?”</li>
  <li>“Should I get a mortgage so that I can avoid tax penalties?”</li>
  <li>“I’m 28 years old with $750,000 worth of real estate debt. How do I pay this off?”</li>
  <li>“Should we buy a home with my father?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>🏠 <a href="https://ter.li/x0jllq">⁠⁠Get organized and prepared to buy or sell a home⁠⁠</a></p>
<p>💵 <a href="https://ramsey.solutions/6okro3">⁠<u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/h7l4s1">⁠Get your copy of What No One Tells You About Money today.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠<strong>BetterHelp</strong>⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
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    </item>
    <item>
      <title>Get Your Finances In Order Now So You Can Enjoy Your Life Later</title>
      <description>💵 ⁠Money question? We’ve got your answer. Try Ask Ramsey for free today. ⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do we pay off $49,000 of business credit card debt when we are "

  "My mom expects me to pay back my Parent PLUS loan, although that was not our original agreement"

  "How often should someone balance their investments?"

  "Can we tithe less if we volunteer more?"

  "Should I downsize my home to a condo with an HOA fee?"

  "Should we have separate accounts for our fun money?"

  "How can we plan to pay for our kids' college?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

📘 ⁠⁠Get your copy of What No One Tells You About Money today.⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💵 ⁠Money question? We’ve got your answer. Try Ask Ramsey for free today. ⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do we pay off $49,000 of business credit card debt when we are "

  "My mom expects me to pay back my Parent PLUS loan, although that was not our original agreement"

  "How often should someone balance their investments?"

  "Can we tithe less if we volunteer more?"

  "Should I downsize my home to a condo with an HOA fee?"

  "Should we have separate accounts for our fun money?"

  "How can we plan to pay for our kids' college?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

📘 ⁠⁠Get your copy of What No One Tells You About Money today.⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💵 <a href="https://www.ramseysolutions.com/?utm_source=youtube_the_ramsey_show&amp;utm_medium=organic_video&amp;utm_campaign=ffp-askramsey&amp;utm_term=ramsey_network_bu&amp;utm_content=ramsey%20network%20-%20description%20-%20getanswers%20-%20010126%20https://ramsey.solutions/eqlov6">⁠Money question? We’ve got your answer. Try Ask Ramsey for free today. ⁠</a>
</p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How do we pay off $49,000 of business credit card debt when we are "</li>
  <li>"My mom expects me to pay back my Parent PLUS loan, although that was not our original agreement"</li>
  <li>"How often should someone balance their investments?"</li>
  <li>"Can we tithe less if we volunteer more?"</li>
  <li>"Should I downsize my home to a condo with an HOA fee?"</li>
  <li>"Should we have separate accounts for our fun money?"</li>
  <li>"How can we plan to pay for our kids' college?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>💵 ⁠<a href="https://ramsey.solutions/6okro3">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>🏠 <a href="https://ter.li/j5zk7f">⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/h7l4s1">⁠⁠Get your copy of What No One Tells You About Money today.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠<strong>BetterHelp</strong>⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6762</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f90c912e-9a53-11f0-be6b-8ba56b051fc0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8507726532.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Only Hack To Paying Off Debt Is Doing The Hard Work</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My credit card is about to be charged off. What should I do?"

  "I just got laid off, should we use our savings to pay down debt?"

  "Should I go on a free cruise while in Baby Step 2?"

  "Should I sell my AirBnB?"

  "Am I wrong to ask to be an equal co-owner in my husband's business?" 

  "Should I pay more than minimum payments to minimize interest while in Baby Step 2?"

  "Should I take out a loan to buy a business?".




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📘 ⁠Get your copy of What No One Tells You About Money today⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 06 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My credit card is about to be charged off. What should I do?"

  "I just got laid off, should we use our savings to pay down debt?"

  "Should I go on a free cruise while in Baby Step 2?"

  "Should I sell my AirBnB?"

  "Am I wrong to ask to be an equal co-owner in my husband's business?" 

  "Should I pay more than minimum payments to minimize interest while in Baby Step 2?"

  "Should I take out a loan to buy a business?".




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📘 ⁠Get your copy of What No One Tells You About Money today⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠⁠BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My credit card is about to be charged off. What should I do?"</li>
  <li>"I just got laid off, should we use our savings to pay down debt?"</li>
  <li>"Should I go on a free cruise while in Baby Step 2?"</li>
  <li>"Should I sell my AirBnB?"</li>
  <li>"Am I wrong to ask to be an equal co-owner in my husband's business?" </li>
  <li>"Should I pay more than minimum payments to minimize interest while in Baby Step 2?"</li>
  <li>"Should I take out a loan to buy a business?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p><strong>📘 </strong><a href="https://ter.li/h7l4s1">⁠Get your copy of What No One Tells You About Money today⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🏠 <a href="https://ter.li/x0jllq">⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠<strong>BetterHelp</strong>⁠⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6739</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f94209a8-9a53-11f0-be6b-ef5511449e99]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3494469437.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Hard Decisions Now Prevent Harder Consequences Later</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  “My husband is angry with me and wants me to move out until he cools down”

  “Should I become an authorized user on my employer’s company credit card?”

  “How much extra should we put toward paying off our home?”

  “How do I navigate student loan debt that my mom took out in my name?”

  “How do I get out of debt?”

  “Should I hold off on getting married to my boyfriend because of his financial situation?”

  “How do I pursue home ownership with these current crazy prices?”

  “I’m $53,000 in debt and I can’t afford my bills after my income got cut”

  “What should I do with a significant pay increase?”

  “My mom lives in my home and I am getting married soon. Should I buy a second home for my fiancée and me?”

  “Should I take out a loan to buy a car?”




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠Christian Brothers Automotive⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 05 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  “My husband is angry with me and wants me to move out until he cools down”

  “Should I become an authorized user on my employer’s company credit card?”

  “How much extra should we put toward paying off our home?”

  “How do I navigate student loan debt that my mom took out in my name?”

  “How do I get out of debt?”

  “Should I hold off on getting married to my boyfriend because of his financial situation?”

  “How do I pursue home ownership with these current crazy prices?”

  “I’m $53,000 in debt and I can’t afford my bills after my income got cut”

  “What should I do with a significant pay increase?”

  “My mom lives in my home and I am getting married soon. Should I buy a second home for my fiancée and me?”

  “Should I take out a loan to buy a car?”




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠Get your copy of What No One Tells You About Money today.⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠



Connect With Our Sponsors:


  Get 10% off your first month of ⁠BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more

  If you want your car to keep going and going, trust ⁠Christian Brothers Automotive⁠. Find a local shop and get an exclusive Ramsey discount of 10% off

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today!




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“My husband is angry with me and wants me to move out until he cools down”</li>
  <li>“Should I become an authorized user on my employer’s company credit card?”</li>
  <li>“How much extra should we put toward paying off our home?”</li>
  <li>“How do I navigate student loan debt that my mom took out in my name?”</li>
  <li>“How do I get out of debt?”</li>
  <li>“Should I hold off on getting married to my boyfriend because of his financial situation?”</li>
  <li>“How do I pursue home ownership with these current crazy prices?”</li>
  <li>“I’m $53,000 in debt and I can’t afford my bills after my income got cut”</li>
  <li>“What should I do with a significant pay increase?”</li>
  <li>“My mom lives in my home and I am getting married soon. Should I buy a second home for my fiancée and me?”</li>
  <li>“Should I take out a loan to buy a car?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠ <u>⁠send us an email</u>⁠</a>.</p>
<p>🏠 <a href="https://ter.li/j5zk7f">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/h7l4s1">⁠Get your copy of What No One Tells You About Money today.⁠</a></p>
<p>💵 ⁠<a href="https://ramsey.solutions/6okro3">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠<strong>BetterHelp</strong>⁠</a><strong></strong>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠ ⁠</a><a href="https://www.casper.com/Ramsey">⁠<strong>Casper Sleep</strong>⁠</a> and use promo code RAMSEY to learn more</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠<strong>Christian Brothers Automotive</strong>⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠<strong>Guardian Litigation Group</strong>⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today!</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
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    <item>
      <title>Money Turns Family Drama Into Financial Disaster</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and Ken calls from the past two years. We'll be back with a live show in the tomorrow!



Dave Ramsey &amp; Ken Coleman answer your questions and discuss:


  
My father is trying to bribe me into signing a document that alters the trust my grandfather left



  
My In-laws are upset that I haven't paid them back



  
Take out a loan to buy a $1M business?



  
My husband keeps racking up debt on credit cards



  
I'm paying my divorce layers with credit cards



  
How do I get my mother-in-law to move out?



  
My dad wants me to cosign for a HELOC






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠



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  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off. 

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and Ken calls from the past two years. We'll be back with a live show in the tomorrow!



Dave Ramsey &amp; Ken Coleman answer your questions and discuss:


  
My father is trying to bribe me into signing a document that alters the trust my grandfather left



  
My In-laws are upset that I haven't paid them back



  
Take out a loan to buy a $1M business?



  
My husband keeps racking up debt on credit cards



  
I'm paying my divorce layers with credit cards



  
How do I get my mother-in-law to move out?



  
My dad wants me to cosign for a HELOC






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠



Connect With Our Sponsors:


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off. 

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

While we are out for Christmas break, we've compiled some of our favorite Dave and Ken calls from the past two years. We'll be back with a live show in the tomorrow!</p>
<p><br></p>
<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>
<p>My father is trying to bribe me into signing a document that alters the trust my grandfather left</p>
</li>
  <li>
<p>My In-laws are upset that I haven't paid them back</p>
</li>
  <li>
<p>Take out a loan to buy a $1M business?</p>
</li>
  <li>
<p>My husband keeps racking up debt on credit cards</p>
</li>
  <li>
<p>I'm paying my divorce layers with credit cards</p>
</li>
  <li>
<p>How do I get my mother-in-law to move out?</p>
</li>
  <li>
<p>My dad wants me to cosign for a HELOC</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
</ul>
<ul>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off. </li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>7713</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f8693376-9a53-11f0-be6b-7f9554bc29b5]]></guid>
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    </item>
    <item>
      <title>Getting Clarity Around Your Money Changes Everything</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Rachel and George calls from the past two years. We'll be back with a live show in the new year!



George Kamel &amp; Jade Warshaw answer your questions and discuss:


  
Was I right to break off my engagement because of bad money habits?



  
Should I apply for my first credit card?



  
Wait to get married to graduate debt-free?



  
My mother expects my brother and me to take care of her financially in her old age.



  
I'm $90,000 in debt and I'm struggling to cut back my expenses.



  
How do I get out of foreclosure?



  
Is it moral to ask my wife to pay off my debt?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠ 



Connect With Our Sponsors:


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Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Thu, 01 Jan 2026 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Rachel and George calls from the past two years. We'll be back with a live show in the new year!



George Kamel &amp; Jade Warshaw answer your questions and discuss:


  
Was I right to break off my engagement because of bad money habits?



  
Should I apply for my first credit card?



  
Wait to get married to graduate debt-free?



  
My mother expects my brother and me to take care of her financially in her old age.



  
I'm $90,000 in debt and I'm struggling to cut back my expenses.



  
How do I get out of foreclosure?



  
Is it moral to ask my wife to pay off my debt?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Rachel and George calls from the past two years. We'll be back with a live show in the new year!</p>
<p><br></p>
<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>Was I right to break off my engagement because of bad money habits?</p>
</li>
  <li>
<p>Should I apply for my first credit card?</p>
</li>
  <li>
<p>Wait to get married to graduate debt-free?</p>
</li>
  <li>
<p>My mother expects my brother and me to take care of her financially in her old age.</p>
</li>
  <li>
<p>I'm $90,000 in debt and I'm struggling to cut back my expenses.</p>
</li>
  <li>
<p>How do I get out of foreclosure?</p>
</li>
  <li>
<p>Is it moral to ask my wife to pay off my debt?</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠</a> </p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7732</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f833a9c2-9a53-11f0-be6b-83bd4ea8fbbb]]></guid>
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    </item>
    <item>
      <title>You Can’t Build Wealth While Carrying Other People's Problems</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. We'll be back with a live show next week!



Dave Ramsey &amp; John Delony answer your questions and discuss:


  
How can we stop my wife's parents from asking their young daughters for money?



  
My son is unemployed and is losing his home



  
Should I co-sign an apartment for a relative?



  
How do you fund a business without debt?



  
Is it wise to invest into solar panels?



  
Can I live with my girlfriend before we get married?



  
Our mortgage is more than 50% of our income






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off. 

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. We'll be back with a live show next week!



Dave Ramsey &amp; John Delony answer your questions and discuss:


  
How can we stop my wife's parents from asking their young daughters for money?



  
My son is unemployed and is losing his home



  
Should I co-sign an apartment for a relative?



  
How do you fund a business without debt?



  
Is it wise to invest into solar panels?



  
Can I live with my girlfriend before we get married?



  
Our mortgage is more than 50% of our income






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.



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  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off. 

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. We'll be back with a live show next week!</p>
<p><br></p>
<p>Dave Ramsey &amp; John Delony answer your questions and discuss:</p>
<ul>
  <li>
<p>How can we stop my wife's parents from asking their young daughters for money?</p>
</li>
  <li>
<p>My son is unemployed and is losing his home</p>
</li>
  <li>
<p>Should I co-sign an apartment for a relative?</p>
</li>
  <li>
<p>How do you fund a business without debt?</p>
</li>
  <li>
<p>Is it wise to invest into solar panels?</p>
</li>
  <li>
<p>Can I live with my girlfriend before we get married?</p>
</li>
  <li>
<p>Our mortgage is more than 50% of our income</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
</ul>
<ul>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off. </li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>7699</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f7fd8d92-9a53-11f0-be6b-6bfa42033021]]></guid>
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    </item>
    <item>
      <title>Early Money Decisions Shape Your Financial Future</title>
      <description>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!



Rachel Cruze &amp; George Kamel answer your questions and discuss:


  
Am I ok to use credit cards as long as I pay them off every month?



  
Should I be concerned about my girlfriend's lack of having any desire to work?



  
Do I need to start building my credit score at 19 years-old?



  
How do I stop spending so I can reach my financial goals?



  
Is Dave's stance to only buy a cell phone in cash or is he okay with putting it on an installment plan over 2 or 3 years?



  
Should I take money out of my savings to start a small business?



  
I feel guilty using child support money






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Tue, 30 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!



Rachel Cruze &amp; George Kamel answer your questions and discuss:


  
Am I ok to use credit cards as long as I pay them off every month?



  
Should I be concerned about my girlfriend's lack of having any desire to work?



  
Do I need to start building my credit score at 19 years-old?



  
How do I stop spending so I can reach my financial goals?



  
Is Dave's stance to only buy a cell phone in cash or is he okay with putting it on an installment plan over 2 or 3 years?



  
Should I take money out of my savings to start a small business?



  
I feel guilty using child support money






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong></strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!</p>
<p><br></p>
<p>Rachel Cruze &amp; George Kamel answer your questions and discuss:</p>
<ul>
  <li>
<p>Am I ok to use credit cards as long as I pay them off every month?</p>
</li>
  <li>
<p>Should I be concerned about my girlfriend's lack of having any desire to work?</p>
</li>
  <li>
<p>Do I need to start building my credit score at 19 years-old?</p>
</li>
  <li>
<p>How do I stop spending so I can reach my financial goals?</p>
</li>
  <li>
<p>Is Dave's stance to only buy a cell phone in cash or is he okay with putting it on an installment plan over 2 or 3 years?</p>
</li>
  <li>
<p>Should I take money out of my savings to start a small business?</p>
</li>
  <li>
<p>I feel guilty using child support money</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7656</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f7c7a0ba-9a53-11f0-be6b-ebcfc714b02a]]></guid>
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    </item>
    <item>
      <title>You Don’t Build Wealth by Ignoring Basic Financial Principles</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!



Rachel Cruze &amp; Ken Coleman answer your questions and discuss:


  
My financial advisor is telling me to take out a HELOC



  
My wife hasn't filed taxes in three years



  
My car lease is $1500/month, what can I do?



  
Is it too late for me to buy a house?



  
What should I do to protect my identity?



  
We're $100K in debt, can we afford a house?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


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Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!



Rachel Cruze &amp; Ken Coleman answer your questions and discuss:


  
My financial advisor is telling me to take out a HELOC



  
My wife hasn't filed taxes in three years



  
My car lease is $1500/month, what can I do?



  
Is it too late for me to buy a house?



  
What should I do to protect my identity?



  
We're $100K in debt, can we afford a house?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</p>
<p>While we are out for Christmas break, we've compiled some of our favorite Rachel and Ken calls from the past two years. We'll be back with a live show in the new year!</p>
<p><br></p>
<p>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>
<p>My financial advisor is telling me to take out a HELOC</p>
</li>
  <li>
<p>My wife hasn't filed taxes in three years</p>
</li>
  <li>
<p>My car lease is $1500/month, what can I do?</p>
</li>
  <li>
<p>Is it too late for me to buy a house?</p>
</li>
  <li>
<p>What should I do to protect my identity?</p>
</li>
  <li>
<p>We're $100K in debt, can we afford a house?</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>7638</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f79161f8-9a53-11f0-be6b-1f927b8ef5ee]]></guid>
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    </item>
    <item>
      <title>You Can’t Win With Money When Your Relationships Are Messy</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Rachel and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:


  
I'm in $147,000 of debt, should I sell my business to clear it?



  
We live paycheck-to-paycheck and can't get ahead



  
I co-signed for a truck with my ex-fiancee.



  
Why should I have a 15-year mortgage?



  
My mom keeps asking me for money.



  
My fiancée is concerned about the terms in our prenup



  
How can I not feel guilty in BS7?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 26 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Rachel and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:


  
I'm in $147,000 of debt, should I sell my business to clear it?



  
We live paycheck-to-paycheck and can't get ahead



  
I co-signed for a truck with my ex-fiancee.



  
Why should I have a 15-year mortgage?



  
My mom keeps asking me for money.



  
My fiancée is concerned about the terms in our prenup



  
How can I not feel guilty in BS7?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Rachel and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!</p>
<p><br></p>
<p>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>I'm in $147,000 of debt, should I sell my business to clear it?</p>
</li>
  <li>
<p>We live paycheck-to-paycheck and can't get ahead</p>
</li>
  <li>
<p>I co-signed for a truck with my ex-fiancee.</p>
</li>
  <li>
<p>Why should I have a 15-year mortgage?</p>
</li>
  <li>
<p>My mom keeps asking me for money.</p>
</li>
  <li>
<p>My fiancée is concerned about the terms in our prenup</p>
</li>
  <li>
<p>How can I not feel guilty in BS7?</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7628</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f682b87a-9a53-11f0-be6b-f741f421ebfc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9365059031.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Make The Right Decision Today—Your Future Will Thank You</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Ken and George calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Ken Coleman &amp; George Kamel answer your questions and discuss:


  
I owe my brother money after getting scammed. Should I file bankruptcy?



  
My church is asking me to guarantee a loan



  
My 15-year-old son is addicted to work.



  
I have been on social security for 25 years. How do I change my life and stop living in poverty?



  
Should I sacrifice time with my family to get out of debt?



  
My wife wants us to pay off our house but it doesn't make sense to me



  
I owe $200K in taxes and have no retirement






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 25 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Ken and George calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Ken Coleman &amp; George Kamel answer your questions and discuss:


  
I owe my brother money after getting scammed. Should I file bankruptcy?



  
My church is asking me to guarantee a loan



  
My 15-year-old son is addicted to work.



  
I have been on social security for 25 years. How do I change my life and stop living in poverty?



  
Should I sacrifice time with my family to get out of debt?



  
My wife wants us to pay off our house but it doesn't make sense to me



  
I owe $200K in taxes and have no retirement






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Ken and George calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!</p>
<p><br></p>
<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p>
<ul>
  <li>
<p>I owe my brother money after getting scammed. Should I file bankruptcy?</p>
</li>
  <li>
<p>My church is asking me to guarantee a loan</p>
</li>
  <li>
<p>My 15-year-old son is addicted to work.</p>
</li>
  <li>
<p>I have been on social security for 25 years. How do I change my life and stop living in poverty?</p>
</li>
  <li>
<p>Should I sacrifice time with my family to get out of debt?</p>
</li>
  <li>
<p>My wife wants us to pay off our house but it doesn't make sense to me</p>
</li>
  <li>
<p>I owe $200K in taxes and have no retirement</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7727</itunes:duration>
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    </item>
    <item>
      <title>A Financial Plan Only Works If It Matches Your Reality</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!


Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
We're almost in $1M in debt.



  
Should I keep more than $1k for emergencies?



  
My fiance just borrowed $240K to buy an RV



  
Does an HSA make sense for me?



  
Should I convert my traditional 401(k) to Roth?



  
My mortgage is 65% of our income



  
I'm struggling to save money for future goals






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Wed, 24 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!


Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
We're almost in $1M in debt.



  
Should I keep more than $1k for emergencies?



  
My fiance just borrowed $240K to buy an RV



  
Does an HSA make sense for me?



  
Should I convert my traditional 401(k) to Roth?



  
My mortgage is 65% of our income



  
I'm struggling to save money for future goals






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!</p>
<p>
Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>We're almost in $1M in debt.</p>
</li>
  <li>
<p>Should I keep more than $1k for emergencies?</p>
</li>
  <li>
<p>My fiance just borrowed $240K to buy an RV</p>
</li>
  <li>
<p>Does an HSA make sense for me?</p>
</li>
  <li>
<p>Should I convert my traditional 401(k) to Roth?</p>
</li>
  <li>
<p>My mortgage is 65% of our income</p>
</li>
  <li>
<p>I'm struggling to save money for future goals</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7685</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f6eedbc2-9a53-11f0-be6b-071ae4c47e9e]]></guid>
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    </item>
    <item>
      <title>Your Financial Outcomes Won’t Change Until You Do</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:


  
I've been fired 14 times and no employer will look at me now.



  
Should I get someone to co-sign on my car?



  
How do you pay off your credit cards when the minimums are half my take-home pay?



  
My wife is a compulsive shopper



  
I bought an Airbnb cabin and now I am behind on my bills



  
What's the benefit of using an escrow account?



  
Convincing husband we don't need credit cards




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 23 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:


  
I've been fired 14 times and no employer will look at me now.



  
Should I get someone to co-sign on my car?



  
How do you pay off your credit cards when the minimums are half my take-home pay?



  
My wife is a compulsive shopper



  
I bought an Airbnb cabin and now I am behind on my bills



  
What's the benefit of using an escrow account?



  
Convincing husband we don't need credit cards




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!</p>
<p><br></p>
<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>
<p>I've been fired 14 times and no employer will look at me now.</p>
</li>
  <li>
<p>Should I get someone to co-sign on my car?</p>
</li>
  <li>
<p>How do you pay off your credit cards when the minimums are half my take-home pay?</p>
</li>
  <li>
<p>My wife is a compulsive shopper</p>
</li>
  <li>
<p>I bought an Airbnb cabin and now I am behind on my bills</p>
</li>
  <li>
<p>What's the benefit of using an escrow account?</p>
</li>
  <li>
<p>Convincing husband we don't need credit cards</p>
</li>
</ul>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>7539</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f7243998-9a53-11f0-be6b-e38368e632ad]]></guid>
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    </item>
    <item>
      <title>Good Intentions Aren’t Enough—Be Intentional With Your Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



Dave Ramsey &amp; John Delony answer your questions and discuss:


  
Should I lock my husband out of our savings account to stop his out-of-control spending?



  
Should I file bankruptcy?



  
Should I budget for a vacation?



  
Our insurance didn't pay us after a natural disaster destroyed our home.



  
Should I help my boyfriend pay off debt?



  
Should I take out a $10,000 loan to fix up my mom's kitchen?



  
Why is mortgage debt okay but not car debt?




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


  
Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!



  
Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.



  
Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠



  
Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.



  
For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.



  
Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!






Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



Dave Ramsey &amp; John Delony answer your questions and discuss:


  
Should I lock my husband out of our savings account to stop his out-of-control spending?



  
Should I file bankruptcy?



  
Should I budget for a vacation?



  
Our insurance didn't pay us after a natural disaster destroyed our home.



  
Should I help my boyfriend pay off debt?



  
Should I take out a $10,000 loan to fix up my mom's kitchen?



  
Why is mortgage debt okay but not car debt?




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


  
Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!



  
Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.



  
Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠



  
Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.



  
For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.



  
Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.



  
Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today!






Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔</strong><a href="https://ter.li/degkjb"><strong> </strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!</p>
<p><br></p>
<p>Dave Ramsey &amp; John Delony answer your questions and discuss:</p>
<ul>
  <li>
<p>Should I lock my husband out of our savings account to stop his out-of-control spending?</p>
</li>
  <li>
<p>Should I file bankruptcy?</p>
</li>
  <li>
<p>Should I budget for a vacation?</p>
</li>
  <li>
<p>Our insurance didn't pay us after a natural disaster destroyed our home.</p>
</li>
  <li>
<p>Should I help my boyfriend pay off debt?</p>
</li>
  <li>
<p>Should I take out a $10,000 loan to fix up my mom's kitchen?</p>
</li>
  <li>
<p>Why is mortgage debt okay but not car debt?</p>
</li>
</ul>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>✔️<a href="https://ter.li/3rtsm1"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>🤓 <a href="https://ter.li/zxcmi0"><u>⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠</u></a></p>
<p><strong>📘</strong><a href="https://ter.li/fz2pvm"><strong> </strong><u>⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</u></a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>
<p>Stop paying more and start shopping smarter at<a href="https://aldi.us"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>ALDI</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p><strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the<a href="https://www.amazon.com/holiday"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Holiday Shop</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>BetterHelp</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Go to<a href="https://www.boostmobile.com/ramsey"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Boost Mobile</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> to switch today!</p>
</li>
  <li>
<p>Go to<a href="https://www.casper.com/Ramsey"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Casper Sleep</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> and use promo code RAMSEY to learn more.</p>
</li>
  <li>
<p>Learn more about<a href="https://www.chministries.org/budget"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>Christian Healthcare Ministries</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Get started today with<a href="https://www.churchillmortgage.com/"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>Churchill Mortgage</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Get 20% off when you join<a href="https://www.joindeleteme.com/Ramsey"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>DeleteMe</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Go to<a href="https://www.fairwinds.org/ramsey"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>FAIRWINDS Credit Union</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> for an exclusive account bundle!</p>
</li>
  <li>
<p>Debt collectors hassling you? Take back control of your life at<a href="https://www.guardianlit.com/Ramsey"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Guardian Litigation Group</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
</li>
  <li>
<p>Find top health insurance plans at<a href="https://www.healthtrustfinancial.com"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Health Trust Financial</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Use code RAMSEY to save 20% at<a href="https://www.mamabearlegalforms.com"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Mama Bear Legal Forms</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Visit<a href="https://www.netsuite.com/Ramsey"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>NetSuite</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> today to learn more<strong>.</strong></p>
</li>
  <li>
<p>For more information, go to<a href="https://simplisafe.com"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>SimpliSafe</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a>.</p>
</li>
  <li>
<p>Get started with<a href="https://www.yrefy.com/Ramsey"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>YRefy</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> or call 844-2-RAMSEY.</p>
</li>
  <li>
<p>Visit<a href="https://www.zander.com/"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠ </u><strong>Zander Insurance</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> for your free instant quote today!</p>
</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸<a href="https://ter.li/wgti1o"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p><strong>🧠</strong><a href="https://ter.li/qq7a2r"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>🍸<a href="https://ter.li/knqmos"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>💡<a href="https://ter.li/rzj8ja"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>💰<a href="https://ter.li/awxjwi"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>🪑<a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p>📈<a href="https://ter.li/2y2cn3"> <u>⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy"><strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>7680</itunes:duration>
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    </item>
    <item>
      <title>Make The Most of Your Financial Choices—They Matter</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:


  
‘I'm paying $500 a month for my leased HVAC system'



  
’I'm 18 years-old and already have $110k of debt'



  
'My grandma opened a credit card in my name.'



  
'My new husband keeps his finances hidden from me'



  
'Husband lost his 401(k) to a crypto scam'



  
'How much is too much to spend on a wedding?'



  
'My husband says he won't leave anything to me in his will.'






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 19 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



While we are out for Christmas break, we've compiled some of our favorite Dave and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!



Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:


  
‘I'm paying $500 a month for my leased HVAC system'



  
’I'm 18 years-old and already have $110k of debt'



  
'My grandma opened a credit card in my name.'



  
'My new husband keeps his finances hidden from me'



  
'Husband lost his 401(k) to a crypto scam'



  
'How much is too much to spend on a wedding?'



  
'My husband says he won't leave anything to me in his will.'






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>While we are out for Christmas break, we've compiled some of our favorite Dave and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!</p>
<p><br></p>
<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>‘I'm paying $500 a month for my leased HVAC system'</p>
</li>
  <li>
<p>’I'm 18 years-old and already have $110k of debt'</p>
</li>
  <li>
<p>'My grandma opened a credit card in my name.'</p>
</li>
  <li>
<p>'My new husband keeps his finances hidden from me'</p>
</li>
  <li>
<p>'Husband lost his 401(k) to a crypto scam'</p>
</li>
  <li>
<p>'How much is too much to spend on a wedding?'</p>
</li>
  <li>
<p>'My husband says he won't leave anything to me in his will.'</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠</a><strong></strong></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7653</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f64ceea2-9a53-11f0-be6b-abdbbefd2eec]]></guid>
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    </item>
    <item>
      <title>The Annual Giving Show: A Celebration of Radical Generosity</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  “Food pantry worker provided for her event though she didn’t qualify.”

  “Aunt provided money to her family to help them avoid bankruptcy.”

  “Raised money to buy Christmas gifts for people in need.”

  “She bought her mom’s dream car as a gift to her.”

  “Donated funds to organization that helps keep biological families together.”

  “Didn’t charge Door Dash customer for her meal and gave her $60.”

  “Purchased tires for a teacher at his son’s school.”

  “Donates gifts to children’s hospital patients and families in need.”

  “Family dresses up as Santa/Mrs. Clause and adopts families at Christmas.”

  “Donated a kidney to a stranger.”

  “Lost their son at childbirth and asked for donations for the NICU that cared for him.”

  “My company helped a single mother with cash and presents and a place to stay for her son while she goes to work”

  ”I was the beneficiary of a scholarship from my family, now I am paying it forward for my niece”

  “Gave a co-worker’s daughter a car.”

  “I gave my trash collector a tip and he said no one had ever thanked him before”

  “We were given money by a stranger when our son was in the NICU”

  “We have given away two cars”

  “Her friends furnished a house for her after a separation.”

  “Lent money to their pastor who was in need.”

  “Their friends gifted them with a much needed vehicle.”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 18 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  “Food pantry worker provided for her event though she didn’t qualify.”

  “Aunt provided money to her family to help them avoid bankruptcy.”

  “Raised money to buy Christmas gifts for people in need.”

  “She bought her mom’s dream car as a gift to her.”

  “Donated funds to organization that helps keep biological families together.”

  “Didn’t charge Door Dash customer for her meal and gave her $60.”

  “Purchased tires for a teacher at his son’s school.”

  “Donates gifts to children’s hospital patients and families in need.”

  “Family dresses up as Santa/Mrs. Clause and adopts families at Christmas.”

  “Donated a kidney to a stranger.”

  “Lost their son at childbirth and asked for donations for the NICU that cared for him.”

  “My company helped a single mother with cash and presents and a place to stay for her son while she goes to work”

  ”I was the beneficiary of a scholarship from my family, now I am paying it forward for my niece”

  “Gave a co-worker’s daughter a car.”

  “I gave my trash collector a tip and he said no one had ever thanked him before”

  “We were given money by a stranger when our son was in the NICU”

  “We have given away two cars”

  “Her friends furnished a house for her after a separation.”

  “Lent money to their pastor who was in need.”

  “Their friends gifted them with a much needed vehicle.”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>“Food pantry worker provided for her event though she didn’t qualify.”</li>
  <li>“Aunt provided money to her family to help them avoid bankruptcy.”</li>
  <li>“Raised money to buy Christmas gifts for people in need.”</li>
  <li>“She bought her mom’s dream car as a gift to her.”</li>
  <li>“Donated funds to organization that helps keep biological families together.”</li>
  <li>“Didn’t charge Door Dash customer for her meal and gave her $60.”</li>
  <li>“Purchased tires for a teacher at his son’s school.”</li>
  <li>“Donates gifts to children’s hospital patients and families in need.”</li>
  <li>“Family dresses up as Santa/Mrs. Clause and adopts families at Christmas.”</li>
  <li>“Donated a kidney to a stranger.”</li>
  <li>“Lost their son at childbirth and asked for donations for the NICU that cared for him.”</li>
  <li>“My company helped a single mother with cash and presents and a place to stay for her son while she goes to work”</li>
  <li>”I was the beneficiary of a scholarship from my family, now I am paying it forward for my niece”</li>
  <li>“Gave a co-worker’s daughter a car.”</li>
  <li>“I gave my trash collector a tip and he said no one had ever thanked him before”</li>
  <li>“We were given money by a stranger when our son was in the NICU”</li>
  <li>“We have given away two cars”</li>
  <li>“Her friends furnished a house for her after a separation.”</li>
  <li>“Lent money to their pastor who was in need.”</li>
  <li>“Their friends gifted them with a much needed vehicle.”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
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    </item>
    <item>
      <title>No One Makes Good Decisions out of Fear or Desperation</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How can I protect myself from my husband’s gambling problem?”

  “I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”

  “I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”

  “Should we sell a car we were gifted?”

  “Should I get a 529 plan for my children?”

  “My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”

  “We are about to lose 80% of our income. Should we pay down our debt or save?”

  “Should I pull money from retirement to pay off my car?”

  “Is it too late for me to prepare for retirement?”

  “Should I let my son enjoy the fruits of his hard work?”

  “Should we pay off our house after we sell our rental?”

  “I received a personal injury settlement of $420,000. How should I manage this large lump sum?”

  “Am I risking my almost $1M net worth by carrying $1.4M in debt?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Wed, 17 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How can I protect myself from my husband’s gambling problem?”

  “I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”

  “I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”

  “Should we sell a car we were gifted?”

  “Should I get a 529 plan for my children?”

  “My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”

  “We are about to lose 80% of our income. Should we pay down our debt or save?”

  “Should I pull money from retirement to pay off my car?”

  “Is it too late for me to prepare for retirement?”

  “Should I let my son enjoy the fruits of his hard work?”

  “Should we pay off our house after we sell our rental?”

  “I received a personal injury settlement of $420,000. How should I manage this large lump sum?”

  “Am I risking my almost $1M net worth by carrying $1.4M in debt?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How can I protect myself from my husband’s gambling problem?”</li>
  <li>“I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”</li>
  <li>“I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”</li>
  <li>“Should we sell a car we were gifted?”</li>
  <li>“Should I get a 529 plan for my children?”</li>
  <li>“My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”</li>
  <li>“We are about to lose 80% of our income. Should we pay down our debt or save?”</li>
  <li>“Should I pull money from retirement to pay off my car?”</li>
  <li>“Is it too late for me to prepare for retirement?”</li>
  <li>“Should I let my son enjoy the fruits of his hard work?”</li>
  <li>“Should we pay off our house after we sell our rental?”</li>
  <li>“I received a personal injury settlement of $420,000. How should I manage this large lump sum?”</li>
  <li>“Am I risking my almost $1M net worth by carrying $1.4M in debt?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6748</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f5dff5cc-9a53-11f0-be6b-9f51f2dc482a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5296088058.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Letting Dumb Money Decisions Hold You Back</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I'm $250,000 in debt, how do I get out of this?"

  "I just got married. I want to pay off my wife's student loans before moving in with her"

  "Is it a good idea to move into a mobile home to get caught up on my bills?"

  "Should we wait to get married so my girlfriend can still get her benefits?"

  "Should I borrow money to tithe?"

  "How can I help my husband increase our income?"

  "How do we honor my father-in-law who no longer runs his business?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 16 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I'm $250,000 in debt, how do I get out of this?"

  "I just got married. I want to pay off my wife's student loans before moving in with her"

  "Is it a good idea to move into a mobile home to get caught up on my bills?"

  "Should we wait to get married so my girlfriend can still get her benefits?"

  "Should I borrow money to tithe?"

  "How can I help my husband increase our income?"

  "How do we honor my father-in-law who no longer runs his business?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"I'm $250,000 in debt, how do I get out of this?"</li>
  <li>"I just got married. I want to pay off my wife's student loans before moving in with her"</li>
  <li>"Is it a good idea to move into a mobile home to get caught up on my bills?"</li>
  <li>"Should we wait to get married so my girlfriend can still get her benefits?"</li>
  <li>"Should I borrow money to tithe?"</li>
  <li>"How can I help my husband increase our income?"</li>
  <li>"How do we honor my father-in-law who no longer runs his business?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6766</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f5aa59ee-9a53-11f0-be6b-d33fd5838cfb]]></guid>
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    </item>
    <item>
      <title>Financial Victories Don't Happen Without Sacrifices</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey answers your questions and discusses:


  “How do I grow my Turo business?”

  “How do I talk to my boyfriend about his irresponsible spending?”

  “What should I do with the extra income after paying off my home?”

  “Should I pause baby step 2 so I can cashflow college for my son? “

  “””I am a 30-year-old widower with nothing saved for retirement.

  How do I start investing for my future?”””

  “My department is facing layoffs, should I go back to school?”

  “What is the downside of putting less than 20% down on a home?”

  “How do my fiance and I Priortize buying a home, getting married and paying off debt?”

  “Can we skip buying teacher Christmas presents while in baby step 3?”

  “How should I pay my escrow shortage?”

  “We make $200,000 a year but we are still living paycheck-to-paycheck”

  “Should we use our emergency fund to buy a gun?”

  “Should we use our inheritance to pay off all our debt?”

  “How do I start investing?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

💻 ⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠



Connect With Our Sponsors:


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Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠.

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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 15 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey answers your questions and discusses:


  “How do I grow my Turo business?”

  “How do I talk to my boyfriend about his irresponsible spending?”

  “What should I do with the extra income after paying off my home?”

  “Should I pause baby step 2 so I can cashflow college for my son? “

  “””I am a 30-year-old widower with nothing saved for retirement.

  How do I start investing for my future?”””

  “My department is facing layoffs, should I go back to school?”

  “What is the downside of putting less than 20% down on a home?”

  “How do my fiance and I Priortize buying a home, getting married and paying off debt?”

  “Can we skip buying teacher Christmas presents while in baby step 3?”

  “How should I pay my escrow shortage?”

  “We make $200,000 a year but we are still living paycheck-to-paycheck”

  “Should we use our emergency fund to buy a gun?”

  “Should we use our inheritance to pay off all our debt?”

  “How do I start investing?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

💻 ⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey answers your questions and discusses:</p>
<ul>
  <li>“How do I grow my Turo business?”</li>
  <li>“How do I talk to my boyfriend about his irresponsible spending?”</li>
  <li>“What should I do with the extra income after paying off my home?”</li>
  <li>“Should I pause baby step 2 so I can cashflow college for my son? “</li>
  <li>“””I am a 30-year-old widower with nothing saved for retirement.</li>
  <li>How do I start investing for my future?”””</li>
  <li>“My department is facing layoffs, should I go back to school?”</li>
  <li>“What is the downside of putting less than 20% down on a home?”</li>
  <li>“How do my fiance and I Priortize buying a home, getting married and paying off debt?”</li>
  <li>“Can we skip buying teacher Christmas presents while in baby step 3?”</li>
  <li>“How should I pay my escrow shortage?”</li>
  <li>“We make $200,000 a year but we are still living paycheck-to-paycheck”</li>
  <li>“Should we use our emergency fund to buy a gun?”</li>
  <li>“Should we use our inheritance to pay off all our debt?”</li>
  <li>“How do I start investing?”</li>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/pqnnoy">⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6808</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f575af00-9a53-11f0-be6b-97baeaf2088a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4254186582.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Hoping Someone Else Will Fix Your Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Dr. John Delony answer your questions and discuss:


  "Should we revoke our daughter's 529 account because she opened a credit card in her name?"

  "I'm in $94,000 of student loan debt, should I wait for these loans to be forgiven by the government?"

  "Our daughter recently moved out to live with her boyfriend. Should we stop paying her health insurance?"

  "I'm struggling to balance paying my debt and living expenses"

  "What is my obligation to pay for my father's funeral costs?"

  "Our lender wants us to take out a second mortgage on our home for a new house build"

  "Am I too young to be getting married?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💻 ⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

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  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 12 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Dr. John Delony answer your questions and discuss:


  "Should we revoke our daughter's 529 account because she opened a credit card in her name?"

  "I'm in $94,000 of student loan debt, should I wait for these loans to be forgiven by the government?"

  "Our daughter recently moved out to live with her boyfriend. Should we stop paying her health insurance?"

  "I'm struggling to balance paying my debt and living expenses"

  "What is my obligation to pay for my father's funeral costs?"

  "Our lender wants us to take out a second mortgage on our home for a new house build"

  "Am I too young to be getting married?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💻 ⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should we revoke our daughter's 529 account because she opened a credit card in her name?"</li>
  <li>"I'm in $94,000 of student loan debt, should I wait for these loans to be forgiven by the government?"</li>
  <li>"Our daughter recently moved out to live with her boyfriend. Should we stop paying her health insurance?"</li>
  <li>"I'm struggling to balance paying my debt and living expenses"</li>
  <li>"What is my obligation to pay for my father's funeral costs?"</li>
  <li>"Our lender wants us to take out a second mortgage on our home for a new house build"</li>
  <li>"Am I too young to be getting married?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7126</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f4693096-9a53-11f0-be6b-33aa80a292c8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7887702757.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"I have 350k Of Debt And Haven't Filed Taxes In 8 Years" </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should I buy a family compound with my ex, his girlfriend, and their child?"

  "I have over $350,000 of debt. Should I file for bankruptcy?"

  "Can we reduce our retirement contributions to have a little fun money?"

  "Should we go on vacations while in Baby Step 2?"

  "My mom blew through my late father's life insurance payout and now she is late on her mortgage payments"

  "My wife doesn't want to budget, how do I get her on board with a plan?"

  "My boyfriend is $100,000 in debt and he never told me about it".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

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  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 11 Dec 2025 11:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should I buy a family compound with my ex, his girlfriend, and their child?"

  "I have over $350,000 of debt. Should I file for bankruptcy?"

  "Can we reduce our retirement contributions to have a little fun money?"

  "Should we go on vacations while in Baby Step 2?"

  "My mom blew through my late father's life insurance payout and now she is late on her mortgage payments"

  "My wife doesn't want to budget, how do I get her on board with a plan?"

  "My boyfriend is $100,000 in debt and he never told me about it".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should I buy a family compound with my ex, his girlfriend, and their child?"</li>
  <li>"I have over $350,000 of debt. Should I file for bankruptcy?"</li>
  <li>"Can we reduce our retirement contributions to have a little fun money?"</li>
  <li>"Should we go on vacations while in Baby Step 2?"</li>
  <li>"My mom blew through my late father's life insurance payout and now she is late on her mortgage payments"</li>
  <li>"My wife doesn't want to budget, how do I get her on board with a plan?"</li>
  <li>"My boyfriend is $100,000 in debt and he never told me about it".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>7655</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f49e786e-9a53-11f0-be6b-07687a20619a]]></guid>
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    </item>
    <item>
      <title>"My Husband Destroyed Our Finances, Should I Leave Him?"</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My husband destroyed our finances, should I leave him?"

  "How do I get out of a house I can't afford?"

  "My mother wants to change my father's final estate wishes"

  "How do we deal with a foreign student that we support financially who lies to us?"

  "What should we do if we can't cashflow dance competition costs?"

  "How do I get my husband to buy in on the Baby Steps?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 10 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My husband destroyed our finances, should I leave him?"

  "How do I get out of a house I can't afford?"

  "My mother wants to change my father's final estate wishes"

  "How do we deal with a foreign student that we support financially who lies to us?"

  "What should we do if we can't cashflow dance competition costs?"

  "How do I get my husband to buy in on the Baby Steps?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"My husband destroyed our finances, should I leave him?"</li>
  <li>"How do I get out of a house I can't afford?"</li>
  <li>"My mother wants to change my father's final estate wishes"</li>
  <li>"How do we deal with a foreign student that we support financially who lies to us?"</li>
  <li>"What should we do if we can't cashflow dance competition costs?"</li>
  <li>"How do I get my husband to buy in on the Baby Steps?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/pqnnoy">⁠⁠⁠Get organized and prepared to buy or sell a home⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6799</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f4d2f17a-9a53-11f0-be6b-db5f346d9e49]]></guid>
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    </item>
    <item>
      <title>Debt Steals Your Freedom - Fight For Financial Peace</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "My fiancé still has his ex on the lease for his home, I feel gross about moving in before he fixes this"

  "How do we start the Baby Steps when we are behind on our bills and have $120,000 of debt?"

  "I'm worried about lowering my savings to $1,000 in Baby Step 1"

  "My parents are tenants in my rental and they don't pay rent on time"

  "Why should I pay off my house when my investments earn more than the interest I'm paying on my mortgage?"

  "How do I pay off my debt while in college?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

📘 ⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 09 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "My fiancé still has his ex on the lease for his home, I feel gross about moving in before he fixes this"

  "How do we start the Baby Steps when we are behind on our bills and have $120,000 of debt?"

  "I'm worried about lowering my savings to $1,000 in Baby Step 1"

  "My parents are tenants in my rental and they don't pay rent on time"

  "Why should I pay off my house when my investments earn more than the interest I'm paying on my mortgage?"

  "How do I pay off my debt while in college?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

📘 ⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"My fiancé still has his ex on the lease for his home, I feel gross about moving in before he fixes this"</li>
  <li>"How do we start the Baby Steps when we are behind on our bills and have $120,000 of debt?"</li>
  <li>"I'm worried about lowering my savings to $1,000 in Baby Step 1"</li>
  <li>"My parents are tenants in my rental and they don't pay rent on time"</li>
  <li>"Why should I pay off my house when my investments earn more than the interest I'm paying on my mortgage?"</li>
  <li>"How do I pay off my debt while in college?".</li>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🤓 </strong><a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6802</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f5070014-9a53-11f0-be6b-a301b2705006]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6022788814.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“I Want To Trust My Husband, But He Wants To Get Rich Quick" </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My husband keeps digging us into a deeper financial hole and I am terrified"

  "I have $115,000 of consumer debt but I'd rather pay off my house first because I'm terrified of being homeless"

  "The IRS says I owe them $180,000 because my old employer used my Social Security number for their online store"

  "I'm 47 and living with my sister and have nothing saved for retirement. How do I get back on track financially?"

  "Should I file for bankruptcy? "

  "Is it better financially to use an inheritance to pay off my home or should I invest it?"

  "Should I put a budget on how much my wife can spend on furniture for our new home?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 08 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My husband keeps digging us into a deeper financial hole and I am terrified"

  "I have $115,000 of consumer debt but I'd rather pay off my house first because I'm terrified of being homeless"

  "The IRS says I owe them $180,000 because my old employer used my Social Security number for their online store"

  "I'm 47 and living with my sister and have nothing saved for retirement. How do I get back on track financially?"

  "Should I file for bankruptcy? "

  "Is it better financially to use an inheritance to pay off my home or should I invest it?"

  "Should I put a budget on how much my wife can spend on furniture for our new home?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠⁠⁠⁠Holiday Shop⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My husband keeps digging us into a deeper financial hole and I am terrified"</li>
  <li>"I have $115,000 of consumer debt but I'd rather pay off my house first because I'm terrified of being homeless"</li>
  <li>"The IRS says I owe them $180,000 because my old employer used my Social Security number for their online store"</li>
  <li>"I'm 47 and living with my sister and have nothing saved for retirement. How do I get back on track financially?"</li>
  <li>"Should I file for bankruptcy? "</li>
  <li>"Is it better financially to use an inheritance to pay off my home or should I invest it?"</li>
  <li>"Should I put a budget on how much my wife can spend on furniture for our new home?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
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<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
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<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠⁠⁠⁠<strong>Holiday Shop</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6787</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f5406732-9a53-11f0-be6b-fb96b9fa0a15]]></guid>
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    </item>
    <item>
      <title>Stop Being Sick And Tired—Decide to Change!</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  "How intense should I be with paying off $156,000 of debt?"

  "We're $180,000 in debt. How can we start the Baby Steps?"

  "How do we teach our 15-year-old how to manage money?"

  "Should I give up on my trade and switch careers?"

  "My father-in-law stated in his will that we cannot sell his home. Should we still sell it?"

  "Should I leave my partner of 4 years because  he doesn’t want to marry me?"

  "I make $3,000 a month in cash back on my credit cards. Would you still advise me to cut them up?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Fri, 05 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  "How intense should I be with paying off $156,000 of debt?"

  "We're $180,000 in debt. How can we start the Baby Steps?"

  "How do we teach our 15-year-old how to manage money?"

  "Should I give up on my trade and switch careers?"

  "My father-in-law stated in his will that we cannot sell his home. Should we still sell it?"

  "Should I leave my partner of 4 years because  he doesn’t want to marry me?"

  "I make $3,000 a month in cash back on my credit cards. Would you still advise me to cut them up?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How intense should I be with paying off $156,000 of debt?"</li>
  <li>"We're $180,000 in debt. How can we start the Baby Steps?"</li>
  <li>"How do we teach our 15-year-old how to manage money?"</li>
  <li>"Should I give up on my trade and switch careers?"</li>
  <li>"My father-in-law stated in his will that we cannot sell his home. Should we still sell it?"</li>
  <li>"Should I leave my partner of 4 years because  he doesn’t want to marry me?"</li>
  <li>"I make $3,000 a month in cash back on my credit cards. Would you still advise me to cut them up?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠</a> </p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠<strong>Holiday Shop</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6814</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f434114a-9a53-11f0-be6b-7f48e192ad41]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7430705190.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Should I Open Up A Secret Bank Account to Protect Myself?"</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I open a secret bank account?"

  "We feel unsafe in our home but moving seems like it will be impossible. How do we get ourselves out of this situation?"

  "How do you know when it's time to leave your full-time job and make your side job full-time?"

  "I have $3.5 million in retirement but I'm still scared to retire"

  "Should I sell my home?"

  "I took a higher paying job but the practices at the company worries me. Should I stay at this job?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠

❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget⁠

🛒 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 04 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I open a secret bank account?"

  "We feel unsafe in our home but moving seems like it will be impossible. How do we get ourselves out of this situation?"

  "How do you know when it's time to leave your full-time job and make your side job full-time?"

  "I have $3.5 million in retirement but I'm still scared to retire"

  "Should I sell my home?"

  "I took a higher paying job but the practices at the company worries me. Should I stay at this job?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠

❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget⁠

🛒 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Should I open a secret bank account?"</li>
  <li>"We feel unsafe in our home but moving seems like it will be impossible. How do we get ourselves out of this situation?"</li>
  <li>"How do you know when it's time to leave your full-time job and make your side job full-time?"</li>
  <li>"I have $3.5 million in retirement but I'm still scared to retire"</li>
  <li>"Should I sell my home?"</li>
  <li>"I took a higher paying job but the practices at the company worries me. Should I stay at this job?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/io3zdv">⁠⁠Get trusted insurance coverage that fits your budget⁠</a></p>
<p>🛒 <a href="https://ter.li/mnh0sb">⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠</a> </p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠<strong>Holiday Shop</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6796</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f3fe98f8-9a53-11f0-be6b-e71ef9b049f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1915761851.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get Out of Survival Mode So You Can Finally Move Forward</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm $35,000 in debt and I'm behind on my bills. How do I get ahead while in this situation?"

  "My son is getting into using sports gambling apps. How do I get him to stop gambling and short-term trade instead?"

  "Should I use my savings to pay down my debt?"

  "Should I stay in my state for my church even though I don't have many career options here?"

  "Do we need to be "gazelle intense" when paying off our rental properties?"

  "My husband has spent almost 4 years building our retirement home himself. Can we pull from retirement to finish it off?"

  "How do I pay off my student loans when it's growing at a faster pace than I am paying it off?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠

🎁 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


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Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

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  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

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  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Wed, 03 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm $35,000 in debt and I'm behind on my bills. How do I get ahead while in this situation?"

  "My son is getting into using sports gambling apps. How do I get him to stop gambling and short-term trade instead?"

  "Should I use my savings to pay down my debt?"

  "Should I stay in my state for my church even though I don't have many career options here?"

  "Do we need to be "gazelle intense" when paying off our rental properties?"

  "My husband has spent almost 4 years building our retirement home himself. Can we pull from retirement to finish it off?"

  "How do I pay off my student loans when it's growing at a faster pace than I am paying it off?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠

🎁 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I'm $35,000 in debt and I'm behind on my bills. How do I get ahead while in this situation?"</li>
  <li>"My son is getting into using sports gambling apps. How do I get him to stop gambling and short-term trade instead?"</li>
  <li>"Should I use my savings to pay down my debt?"</li>
  <li>"Should I stay in my state for my church even though I don't have many career options here?"</li>
  <li>"Do we need to be "gazelle intense" when paying off our rental properties?"</li>
  <li>"My husband has spent almost 4 years building our retirement home himself. Can we pull from retirement to finish it off?"</li>
  <li>"How do I pay off my student loans when it's growing at a faster pace than I am paying it off?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p>🎁 <a href="https://ter.li/mnh0sb">⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠<strong>Holiday Shop</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6859</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f3c631fc-9a53-11f0-be6b-33717c2090b6]]></guid>
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    </item>
    <item>
      <title>"My Dad Wants Me To Give Him My $300,000 Trust"</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 Dave Ramsey and Ken Coleman answer your questions and discuss:


  "My father is trying to bribe me into signing a document that alters the trust my grandfather left"

  "I got laid off and I have $100,000 of debt. Can I lose my house if I can't pay?"

  "How do I negotiate on debt that's in collections?"

  "Should I continue investing while saving for school?"

  "How do we combine finances after we get married?"

  "I owe $30,000 in state taxes. My tax settlement company wants me to pay $6,500 to negotiate on my behalf"

  "Should I let my dad move into my home even though he is bad with "Should we pause investing to pay down our mortgage so we can refinance to a 15-year fixed mortgage?". 


 

Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

🎁 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

💻 ⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 

 

Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

 

⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 02 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 Dave Ramsey and Ken Coleman answer your questions and discuss:


  "My father is trying to bribe me into signing a document that alters the trust my grandfather left"

  "I got laid off and I have $100,000 of debt. Can I lose my house if I can't pay?"

  "How do I negotiate on debt that's in collections?"

  "Should I continue investing while saving for school?"

  "How do we combine finances after we get married?"

  "I owe $30,000 in state taxes. My tax settlement company wants me to pay $6,500 to negotiate on my behalf"

  "Should I let my dad move into my home even though he is bad with "Should we pause investing to pay down our mortgage so we can refinance to a 15-year fixed mortgage?". 


 

Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠

🎁 ⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠

💻 ⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠ 

 

Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠⁠Holiday Shop⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

 

⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p> Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"My father is trying to bribe me into signing a document that alters the trust my grandfather left"</li>
  <li>"I got laid off and I have $100,000 of debt. Can I lose my house if I can't pay?"</li>
  <li>"How do I negotiate on debt that's in collections?"</li>
  <li>"Should I continue investing while saving for school?"</li>
  <li>"How do we combine finances after we get married?"</li>
  <li>"I owe $30,000 in state taxes. My tax settlement company wants me to pay $6,500 to negotiate on my behalf"</li>
  <li>"Should I let my dad move into my home even though he is bad with "Should we pause investing to pay down our mortgage so we can refinance to a 15-year fixed mortgage?". </li>
</ul>
<p> </p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎁 <a href="https://ter.li/mnh0sb">⁠⁠⁠⁠Lowest prices of the year—don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/io3zdv">⁠Get trusted insurance coverage that fits your budget⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠⁠</a> </p>
<p> </p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us/">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠⁠<strong>Holiday Shop</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com/">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠The Ramsey Show Highlights⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠The Dr. John Delony Show⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠Smart Money Happy Hour⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠The Rachel Cruze Show⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠George Kamel⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠Front Row Seat with Ken Coleman⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠EntreLeadership⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
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    </item>
    <item>
      <title>You Can’t Fix People by Funding Their Bad Decisions</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How do we guide our daughter to make better choices?”

  “My mother has $38,000 in collections and can’t pay her bills. How do I help her through this mess?”

  “I made a mistake transferring my 401(k) into an annuity. What should we do to fix this?”

  “How do I go from being intense to intentional in baby step 6?”

  “Do I need to buy flood insurance?”

  “Should we do what our parents recommend and live together before marriage?”

  “Do we need long-term care insurance?”

  “Should I get a reverse mortgage to help my daughter?”

  “Should I invest in my 4th Airbnb?”

  “My in-laws want us to pay them back for tuition fees they lost when my wife dropped out of college”

  “We have a good income but are still living paycheck-to-paycheck. How do we get ahead?”

  “Should we pull from our emergency fund to buy a car?”

  “How do I talk to my client about paying me more?”

  “Should I move out of my parents’ house?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠

🛒 ⁠⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠Holiday Shop⁠.

  Get 10% off your first month of⁠ BetterHelp⁠.

  Go to ⁠Boost Mobile⁠ to switch today!

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠.

  Get 20% off when you join ⁠DeleteMe⁠.

  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠.

  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

  Visit⁠ NetSuite⁠ today to learn more.


  For more information, go to ⁠SimpliSafe⁠.

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 01 Dec 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How do we guide our daughter to make better choices?”

  “My mother has $38,000 in collections and can’t pay her bills. How do I help her through this mess?”

  “I made a mistake transferring my 401(k) into an annuity. What should we do to fix this?”

  “How do I go from being intense to intentional in baby step 6?”

  “Do I need to buy flood insurance?”

  “Should we do what our parents recommend and live together before marriage?”

  “Do we need long-term care insurance?”

  “Should I get a reverse mortgage to help my daughter?”

  “Should I invest in my 4th Airbnb?”

  “My in-laws want us to pay them back for tuition fees they lost when my wife dropped out of college”

  “We have a good income but are still living paycheck-to-paycheck. How do we get ahead?”

  “Should we pull from our emergency fund to buy a car?”

  “How do I talk to my client about paying me more?”

  “Should I move out of my parents’ house?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠

🛒 ⁠⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠ 



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠.

  
Amazon is making it easier than ever to find top gifts at amazing prices this season in the ⁠Holiday Shop⁠.

  Get 10% off your first month of⁠ BetterHelp⁠.

  Go to ⁠Boost Mobile⁠ to switch today!

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠.

  Get 20% off when you join ⁠DeleteMe⁠.

  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠.

  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

  Visit⁠ NetSuite⁠ today to learn more.


  For more information, go to ⁠SimpliSafe⁠.

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How do we guide our daughter to make better choices?”</li>
  <li>“My mother has $38,000 in collections and can’t pay her bills. How do I help her through this mess?”</li>
  <li>“I made a mistake transferring my 401(k) into an annuity. What should we do to fix this?”</li>
  <li>“How do I go from being intense to intentional in baby step 6?”</li>
  <li>“Do I need to buy flood insurance?”</li>
  <li>“Should we do what our parents recommend and live together before marriage?”</li>
  <li>“Do we need long-term care insurance?”</li>
  <li>“Should I get a reverse mortgage to help my daughter?”</li>
  <li>“Should I invest in my 4th Airbnb?”</li>
  <li>“My in-laws want us to pay them back for tuition fees they lost when my wife dropped out of college”</li>
  <li>“We have a good income but are still living paycheck-to-paycheck. How do we get ahead?”</li>
  <li>“Should we pull from our emergency fund to buy a car?”</li>
  <li>“How do I talk to my client about paying me more?”</li>
  <li>“Should I move out of my parents’ house?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/miz307">⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/qabngd">⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠</a></p>
<p>🛒 <a href="https://ter.li/mnh0sb">⁠⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠⁠</a></p>
<p><strong>📘 </strong><a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items ⁠</a> </p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>.</li>
  <li>
<strong>Amazon</strong> is making it easier than ever to find top gifts at amazing prices this season in the <a href="https://www.amazon.com/holiday">⁠<strong>Holiday Shop</strong>⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠ ⁠</a><a href="https://www.casper.com/Ramsey">⁠<strong>Casper Sleep</strong>⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠<strong>Guardian Litigation Group</strong>⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠<strong>SimpliSafe</strong>⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6822</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f35ad31c-9a53-11f0-be6b-f73bc013ade3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8067172937.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Nothing Destroys Your Finances Faster Than Broken Trust</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Thanksgiving weekend, we've compiled some of our favorite George and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



George Kamel &amp; Jade Warshaw answer your questions and discuss:


  
How do I tell my girlfriend that I lied about my finances?



  
My husband says we can't afford a new car



  
Is my son obligated to give his dad money?



  
How do I make enough money to take care of my mom?



  
I owe $65k on a car that just broke down



  
How do I begin to trust my husband after his financial infidelity?



  
Should I sell my house to pay off credit cards?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan⁠



Connect With Our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 28 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Thanksgiving weekend, we've compiled some of our favorite George and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



George Kamel &amp; Jade Warshaw answer your questions and discuss:


  
How do I tell my girlfriend that I lied about my finances?



  
My husband says we can't afford a new car



  
Is my son obligated to give his dad money?



  
How do I make enough money to take care of my mom?



  
I owe $65k on a car that just broke down



  
How do I begin to trust my husband after his financial infidelity?



  
Should I sell my house to pay off credit cards?






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
While we are out for Thanksgiving weekend, we've compiled some of our favorite George and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!</p>
<p><br></p>
<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>How do I tell my girlfriend that I lied about my finances?</p>
</li>
  <li>
<p>My husband says we can't afford a new car</p>
</li>
  <li>
<p>Is my son obligated to give his dad money?</p>
</li>
  <li>
<p>How do I make enough money to take care of my mom?</p>
</li>
  <li>
<p>I owe $65k on a car that just broke down</p>
</li>
  <li>
<p>How do I begin to trust my husband after his financial infidelity?</p>
</li>
  <li>
<p>Should I sell my house to pay off credit cards?</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/mm0wnc">⁠⁠Get trusted insurance coverage that fits your budget⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠Find out where you stand with your money and get a free plan⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7569</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f24cc462-9a53-11f0-be6b-67e0a6368006]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2539404209.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Letting Fear Drive Your Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Thanksgiving weekend, we've compiled some of our favorite Ken and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
We're $200k in debt, should we file for bankruptcy?



  
My parents are mad about me using my tuition refund to pay off my debt



  
Which credit card should I get for my son?



  
The woman I'm dating borrowed $1,700 from me and hasn't paid me back



  
My dad wants me to take out a business loan



  
I'm afraid that AI and robots will take my job



  
House has been on the market for six months






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠Find out where you stand with your money and get a free plan⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 27 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Thanksgiving weekend, we've compiled some of our favorite Ken and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!



Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
We're $200k in debt, should we file for bankruptcy?



  
My parents are mad about me using my tuition refund to pay off my debt



  
Which credit card should I get for my son?



  
The woman I'm dating borrowed $1,700 from me and hasn't paid me back



  
My dad wants me to take out a business loan



  
I'm afraid that AI and robots will take my job



  
House has been on the market for six months






Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠Find out where you stand with your money and get a free plan⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
While we are out for Thanksgiving weekend, we've compiled some of our favorite Ken and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!</p>
<p><br></p>
<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>We're $200k in debt, should we file for bankruptcy?</p>
</li>
  <li>
<p>My parents are mad about me using my tuition refund to pay off my debt</p>
</li>
  <li>
<p>Which credit card should I get for my son?</p>
</li>
  <li>
<p>The woman I'm dating borrowed $1,700 from me and hasn't paid me back</p>
</li>
  <li>
<p>My dad wants me to take out a business loan</p>
</li>
  <li>
<p>I'm afraid that AI and robots will take my job</p>
</li>
  <li>
<p>House has been on the market for six months</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠Find out where you stand with your money and get a free plan⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7555</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f28268d8-9a53-11f0-be6b-8b9708725738]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1592263319.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Hard Road Is The One That Moves You Forward</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "When is a person financially secure enough to quit a job they hate?"

  "Can we buy a house and a car while we are in Baby Step 2?"

  "Am I being unfair to my wife by leaving only one of my insurance policies in her name?"

  "How do I get my wife to be more gazelle intense?"

  "My daughter wants us to pay for her destination wedding but they have already been married for two years".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


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  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 26 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "When is a person financially secure enough to quit a job they hate?"

  "Can we buy a house and a car while we are in Baby Step 2?"

  "Am I being unfair to my wife by leaving only one of my insurance policies in her name?"

  "How do I get my wife to be more gazelle intense?"

  "My daughter wants us to pay for her destination wedding but they have already been married for two years".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"When is a person financially secure enough to quit a job they hate?"</li>
  <li>"Can we buy a house and a car while we are in Baby Step 2?"</li>
  <li>"Am I being unfair to my wife by leaving only one of my insurance policies in her name?"</li>
  <li>"How do I get my wife to be more gazelle intense?"</li>
  <li>"My daughter wants us to pay for her destination wedding but they have already been married for two years".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/mnh0sb">⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠Find out where you stand with your money and get a free plan.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today</li>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7115</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f2b9a9c4-9a53-11f0-be6b-a3d102d27cde]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4679633621.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> “We’re in Way Over Our Heads With $1.5 Million in Debt”</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How do we get out of $1,500,000 of debt?"

  "Can I take out a car loan?" 

  "Can I take out a small car loan and pay it down aggressively instead of draining my savings?"

  "I make $120,000 but my bills are so high I can't afford groceries"

  "How do I help my girlfriend with her finances without enabling her?"

  "How do I get out of the cycle of taking out payday loans?"

  "How do I talk to my fiancée about my wealth and establishing a prenup?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan.⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 25 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How do we get out of $1,500,000 of debt?"

  "Can I take out a car loan?" 

  "Can I take out a small car loan and pay it down aggressively instead of draining my savings?"

  "I make $120,000 but my bills are so high I can't afford groceries"

  "How do I help my girlfriend with her finances without enabling her?"

  "How do I get out of the cycle of taking out payday loans?"

  "How do I talk to my fiancée about my wealth and establishing a prenup?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan.⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget⁠

🛒 ⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do we get out of $1,500,000 of debt?"</li>
  <li>"Can I take out a car loan?" </li>
  <li>"Can I take out a small car loan and pay it down aggressively instead of draining my savings?"</li>
  <li>"I make $120,000 but my bills are so high I can't afford groceries"</li>
  <li>"How do I help my girlfriend with her finances without enabling her?"</li>
  <li>"How do I get out of the cycle of taking out payday loans?"</li>
  <li>"How do I talk to my fiancée about my wealth and establishing a prenup?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan.⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/mm0wnc">⁠Get trusted insurance coverage that fits your budget⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
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    </item>
    <item>
      <title>“My Husband Has Been Cheating On Me For 30 Years”</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "Should I leave my husband who cheats on me and won't contribute to our family's finances?"

  "We keep blowing through our emergency fund and now we're back in debt. How do we stop this?"

  "Should we stop tithing in Baby Step 2?"

  "Should I pay cash for my next semester or can I keep some money in order to live a little?"

  "Should my parents use $800,000 of their investments to get my sister out of her financial situation?"

  "I'm in $60,000 of debt, how do I get out of this?"

  "Should I do my Roth conversion all at once?"

  "Can we afford to travel to Spain for a wedding?"

  "I feel like my career that I love is not enough for me to provide for my family. What should I do to increase my income?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

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  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 24 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "Should I leave my husband who cheats on me and won't contribute to our family's finances?"

  "We keep blowing through our emergency fund and now we're back in debt. How do we stop this?"

  "Should we stop tithing in Baby Step 2?"

  "Should I pay cash for my next semester or can I keep some money in order to live a little?"

  "Should my parents use $800,000 of their investments to get my sister out of her financial situation?"

  "I'm in $60,000 of debt, how do I get out of this?"

  "Should I do my Roth conversion all at once?"

  "Can we afford to travel to Spain for a wedding?"

  "I feel like my career that I love is not enough for me to provide for my family. What should I do to increase my income?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛒 ⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I leave my husband who cheats on me and won't contribute to our family's finances?"</li>
  <li>"We keep blowing through our emergency fund and now we're back in debt. How do we stop this?"</li>
  <li>"Should we stop tithing in Baby Step 2?"</li>
  <li>"Should I pay cash for my next semester or can I keep some money in order to live a little?"</li>
  <li>"Should my parents use $800,000 of their investments to get my sister out of her financial situation?"</li>
  <li>"I'm in $60,000 of debt, how do I get out of this?"</li>
  <li>"Should I do my Roth conversion all at once?"</li>
  <li>"Can we afford to travel to Spain for a wedding?"</li>
  <li>"I feel like my career that I love is not enough for me to provide for my family. What should I do to increase my income?"</li>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠⁠⁠Black Friday deals won't last⁠⁠, ⁠⁠get gifts for as low as $6.99⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dyhs1a">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6828</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f3253ce8-9a53-11f0-be6b-6742f54e115d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5498543874.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“Was I Right To Break Off My Engagement Because of Bad Money Habits?”</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  "Was I right to break off my engagement because of bad money habits?"

  "My wife and I keep fighting about how much I spend"

  "How should I split bills with my parents?"

  "Should I build a buffer in my account to not have to borrow and payback my emergency fund between paychecks?"

  "Should we go into debt for me to go back to school?"

  "Should I keep a job that I hate so my husband can find a job in another field?"

  "How do I deposit $100k in cash without raising red flags?"

  "Should I surrender my car back to the lender?"

  "Should I move to another state to start a business?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

❤️‍🩹 ⁠⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last⁠—⁠get gifts for as low as $6.99⁠⁠⁠

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 21 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  "Was I right to break off my engagement because of bad money habits?"

  "My wife and I keep fighting about how much I spend"

  "How should I split bills with my parents?"

  "Should I build a buffer in my account to not have to borrow and payback my emergency fund between paychecks?"

  "Should we go into debt for me to go back to school?"

  "Should I keep a job that I hate so my husband can find a job in another field?"

  "How do I deposit $100k in cash without raising red flags?"

  "Should I surrender my car back to the lender?"

  "Should I move to another state to start a business?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

❤️‍🩹 ⁠⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last⁠—⁠get gifts for as low as $6.99⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Was I right to break off my engagement because of bad money habits?"</li>
  <li>"My wife and I keep fighting about how much I spend"</li>
  <li>"How should I split bills with my parents?"</li>
  <li>"Should I build a buffer in my account to not have to borrow and payback my emergency fund between paychecks?"</li>
  <li>"Should we go into debt for me to go back to school?"</li>
  <li>"Should I keep a job that I hate so my husband can find a job in another field?"</li>
  <li>"How do I deposit $100k in cash without raising red flags?"</li>
  <li>"Should I surrender my car back to the lender?"</li>
  <li>"Should I move to another state to start a business?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠Black Friday deals won't last⁠</a>—<a href="https://ter.li/ogstm4">⁠get gifts for as low as $6.99⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
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</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
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<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>7128</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f21602f6-9a53-11f0-be6b-579cb22a3539]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6256655839.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“My Financial Advisor Told Us To Take Out A HELOC For A Tax Write-Off”</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Rachel Cruze answer your questions and discuss:


  "My financial advisor is telling me to take out a HELOC"

  "My kids keep breaking things and it's getting expensive, should I start making them pay for it?"

  "How do we navigate our family going from 2 to 7 people while juggling debt?"

  "My parents don't want me to go to my preferred college"

  "Should we setup a 529 account for my wife?"

  "Is it too late for me to buy a house?"

  "We are about to get $6,000,000. How do we best manage this money?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠⁠

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Connect With Our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

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  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 20 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Rachel Cruze answer your questions and discuss:


  "My financial advisor is telling me to take out a HELOC"

  "My kids keep breaking things and it's getting expensive, should I start making them pay for it?"

  "How do we navigate our family going from 2 to 7 people while juggling debt?"

  "My parents don't want me to go to my preferred college"

  "Should we setup a 529 account for my wife?"

  "Is it too late for me to buy a house?"

  "We are about to get $6,000,000. How do we best manage this money?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Ken Coleman and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"My financial advisor is telling me to take out a HELOC"</li>
  <li>"My kids keep breaking things and it's getting expensive, should I start making them pay for it?"</li>
  <li>"How do we navigate our family going from 2 to 7 people while juggling debt?"</li>
  <li>"My parents don't want me to go to my preferred college"</li>
  <li>"Should we setup a 529 account for my wife?"</li>
  <li>"Is it too late for me to buy a house?"</li>
  <li>"We are about to get $6,000,000. How do we best manage this money?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6963</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f1e015ce-9a53-11f0-be6b-47340d3d0d1d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9275723513.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“I’m $147k In Debt And Only Make $1,500 A Month”</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "I'm in $147,000 of debt, should I sell my business to clear it?"

  "My wife has no interest in paying off our debt and it's putting a strain on our marriage"

  "I'm 17 and I am paying $1,100 for my car payment and insurance"

  "Should I take a semester to study abroad or should I grow my business?"

  "Should I sell off my investment property to pay off my primary home?"

  "My mom keeps asking me for money. How do I help her so she can support herself?"

  "I want to build a tiny home but it doesn't qualify for a mortgage, how do I finance this?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 19 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "I'm in $147,000 of debt, should I sell my business to clear it?"

  "My wife has no interest in paying off our debt and it's putting a strain on our marriage"

  "I'm 17 and I am paying $1,100 for my car payment and insurance"

  "Should I take a semester to study abroad or should I grow my business?"

  "Should I sell off my investment property to pay off my primary home?"

  "My mom keeps asking me for money. How do I help her so she can support herself?"

  "I want to build a tiny home but it doesn't qualify for a mortgage, how do I finance this?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠

🛒 ⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Rachel Cruze and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"I'm in $147,000 of debt, should I sell my business to clear it?"</li>
  <li>"My wife has no interest in paying off our debt and it's putting a strain on our marriage"</li>
  <li>"I'm 17 and I am paying $1,100 for my car payment and insurance"</li>
  <li>"Should I take a semester to study abroad or should I grow my business?"</li>
  <li>"Should I sell off my investment property to pay off my primary home?"</li>
  <li>"My mom keeps asking me for money. How do I help her so she can support herself?"</li>
  <li>"I want to build a tiny home but it doesn't qualify for a mortgage, how do I finance this?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠⁠⁠</a></p>
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<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
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</li>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6836</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f1a6c314-9a53-11f0-be6b-5f00ee081f2e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2114410644.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Focused Intensity Is The Only Way To Make Financial Progress</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I set a realistic budget around Christmas when I want to give everything to my kids?"

  "I'm house poor and my debt is overwhelming me. How do I get out of this situation?"

  "We are $100,000 in consumer debt and we have been spending more than we make. Is a HELOC the only way out?"

  "Should we refinance a student loan in deferment?"

  "If I file for divorce, what should be my financial priorities?"

  "Who can I hire to help me manage my elderly parents finances?"

  "How do I plan for my future when most of my income is used to help my mom with expenses?

  "Should I sell my home in order to buy my son a house?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠

🛒 ⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 18 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I set a realistic budget around Christmas when I want to give everything to my kids?"

  "I'm house poor and my debt is overwhelming me. How do I get out of this situation?"

  "We are $100,000 in consumer debt and we have been spending more than we make. Is a HELOC the only way out?"

  "Should we refinance a student loan in deferment?"

  "If I file for divorce, what should be my financial priorities?"

  "Who can I hire to help me manage my elderly parents finances?"

  "How do I plan for my future when most of my income is used to help my mom with expenses?

  "Should I sell my home in order to buy my son a house?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠

🛒 ⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I set a realistic budget around Christmas when I want to give everything to my kids?"</li>
  <li>"I'm house poor and my debt is overwhelming me. How do I get out of this situation?"</li>
  <li>"We are $100,000 in consumer debt and we have been spending more than we make. Is a HELOC the only way out?"</li>
  <li>"Should we refinance a student loan in deferment?"</li>
  <li>"If I file for divorce, what should be my financial priorities?"</li>
  <li>"Who can I hire to help me manage my elderly parents finances?"</li>
  <li>"How do I plan for my future when most of my income is used to help my mom with expenses?</li>
  <li>"Should I sell my home in order to buy my son a house?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠ ⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6837</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f16f7b84-9a53-11f0-be6b-dbc45c5367b3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9365468371.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Control the Past, But You CAN Control the Path Forward  </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  "My mom took student loans out in my name that I didn't know about. Should I let those loans go into default?"

  "How do we stay financially secure after we were in a car accident?"

  "My brother backed into my car and wrecked it. Now he is avoiding my husband and I. What should we do?"

  "We are in the negative every month on our rental income. What should we do?"

  "I live with, and work for my boyfriend. I feel like I don't have anything for myself. What should I do?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠

🛒 ⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 17 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  "My mom took student loans out in my name that I didn't know about. Should I let those loans go into default?"

  "How do we stay financially secure after we were in a car accident?"

  "My brother backed into my car and wrecked it. Now he is avoiding my husband and I. What should we do?"

  "We are in the negative every month on our rental income. What should we do?"

  "I live with, and work for my boyfriend. I feel like I don't have anything for myself. What should I do?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠

🛒 ⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My mom took student loans out in my name that I didn't know about. Should I let those loans go into default?"</li>
  <li>"How do we stay financially secure after we were in a car accident?"</li>
  <li>"My brother backed into my car and wrecked it. Now he is avoiding my husband and I. What should we do?"</li>
  <li>"We are in the negative every month on our rental income. What should we do?"</li>
  <li>"I live with, and work for my boyfriend. I feel like I don't have anything for myself. What should I do?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠⁠Black Friday deals won't last. Get gifts for as low as $6.99⁠</a></p>
<p>🏠 <a href="https://ter.li/pqnnoy">⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6826</itunes:duration>
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    </item>
    <item>
      <title>You Still Have Time To Change Your Financial Situation</title>
      <description>Ken Coleman and George Kamel answer your questions and discuss:


  "My boyfriend doesn’t want to marry me until I pay off my son's Parent PLUS Loan"

  "How can I get out of debt on a low income?"

  "Are rent-to-own plans a good way to grow my business?"

  "Our house burned down in the LA fires and insurance didn’t cover it. Should we pull from retirement to rebuild?"

  "My husband handles all of the finances. Is wanting to be included asking too much?"

  "Am I obligated to share my inheritance with my sisters?"

  "My husband and I exceed the income limits for retirement contributions. What other strategies should we consider?"

  "Should I sell my house or continue renting it to my in-laws?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛒 ⁠Black Friday deals won't last. Get gifts for as low as $6.99!⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 14 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>Ken Coleman and George Kamel answer your questions and discuss:


  "My boyfriend doesn’t want to marry me until I pay off my son's Parent PLUS Loan"

  "How can I get out of debt on a low income?"

  "Are rent-to-own plans a good way to grow my business?"

  "Our house burned down in the LA fires and insurance didn’t cover it. Should we pull from retirement to rebuild?"

  "My husband handles all of the finances. Is wanting to be included asking too much?"

  "Am I obligated to share my inheritance with my sisters?"

  "My husband and I exceed the income limits for retirement contributions. What other strategies should we consider?"

  "Should I sell my house or continue renting it to my in-laws?".




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛒 ⁠Black Friday deals won't last. Get gifts for as low as $6.99!⁠

🤓 ⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"My boyfriend doesn’t want to marry me until I pay off my son's Parent PLUS Loan"</li>
  <li>"How can I get out of debt on a low income?"</li>
  <li>"Are rent-to-own plans a good way to grow my business?"</li>
  <li>"Our house burned down in the LA fires and insurance didn’t cover it. Should we pull from retirement to rebuild?"</li>
  <li>"My husband handles all of the finances. Is wanting to be included asking too much?"</li>
  <li>"Am I obligated to share my inheritance with my sisters?"</li>
  <li>"My husband and I exceed the income limits for retirement contributions. What other strategies should we consider?"</li>
  <li>"Should I sell my house or continue renting it to my in-laws?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛒 <a href="https://ter.li/ogstm4">⁠Black Friday deals won't last. Get gifts for as low as $6.99!⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠⁠File your taxes with 100% accurate software that’s less than half of the price⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠</a></p>
<p>🎁 <a href="https://ter.li/xf40fd">⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</li>
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</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
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</li>
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</li>
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  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6896</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f0210022-9a53-11f0-be6b-27857f4511de]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2663782413.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"I'm 49 With Nothing Saved For Retirement"</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "I don't have anything saved for retirement. Is it too late for me to start investing?"

  "I keep having to dip into my investments to pay my taxes. How do I stop this cycle?"

  "When I turn 18 I will gain access to a $100,000 stock portfolio. How do I best grow this money?"

  "My wife wants us to pay off our house but it doesn't make sense to me"

  "I have been on social security for 25 years. How do I change my life and stop living in poverty?"

  "Should I refinance my home to pay off my debt and HELOC?"

  "Should we be saving money in an HSA when we are in Baby Step 2?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

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❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 13 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "I don't have anything saved for retirement. Is it too late for me to start investing?"

  "I keep having to dip into my investments to pay my taxes. How do I stop this cycle?"

  "When I turn 18 I will gain access to a $100,000 stock portfolio. How do I best grow this money?"

  "My wife wants us to pay off our house but it doesn't make sense to me"

  "I have been on social security for 25 years. How do I change my life and stop living in poverty?"

  "Should I refinance my home to pay off my debt and HELOC?"

  "Should we be saving money in an HSA when we are in Baby Step 2?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I don't have anything saved for retirement. Is it too late for me to start investing?"</li>
  <li>"I keep having to dip into my investments to pay my taxes. How do I stop this cycle?"</li>
  <li>"When I turn 18 I will gain access to a $100,000 stock portfolio. How do I best grow this money?"</li>
  <li>"My wife wants us to pay off our house but it doesn't make sense to me"</li>
  <li>"I have been on social security for 25 years. How do I change my life and stop living in poverty?"</li>
  <li>"Should I refinance my home to pay off my debt and HELOC?"</li>
  <li>"Should we be saving money in an HSA when we are in Baby Step 2?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠</a></p>
<p>🎁 <a href="https://ter.li/xf40fd">⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6864</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f0588538-9a53-11f0-be6b-17a8844506ca]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4169773165.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>He's Behind On His Bills and Wanting to File For Bankruptcy </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "We are $30,000 in debt and we're behind on our bills. Should we file bankruptcy?" 

  "How can I pay off debt when I have nothing left over after paying all of my bills?"

  "My wife's friends told her that I am being financially controlling. Are they right?"

  "Can I use my kids' 529 plans to pay down my debt?"

  "Are my girlfriend and I building too much house?"

  "Should I hold off on paying my student loans and let the military pay them off?"

  "How do we figure out if it's worth it to move to a different state for a better quality of life?"

  "What's the best way to invest $1 million from a business deal?"

  "I caught my husband lying to me about our finances. How do I begin to rebuild trust in him?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price.⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠ 

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠

 

Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "We are $30,000 in debt and we're behind on our bills. Should we file bankruptcy?" 

  "How can I pay off debt when I have nothing left over after paying all of my bills?"

  "My wife's friends told her that I am being financially controlling. Are they right?"

  "Can I use my kids' 529 plans to pay down my debt?"

  "Are my girlfriend and I building too much house?"

  "Should I hold off on paying my student loans and let the military pay them off?"

  "How do we figure out if it's worth it to move to a different state for a better quality of life?"

  "What's the best way to invest $1 million from a business deal?"

  "I caught my husband lying to me about our finances. How do I begin to rebuild trust in him?". 




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤓 ⁠File your taxes with 100% accurate software that’s less than half of the price.⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠ 

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠

 

Connect With Our Sponsors:


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  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more

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  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"We are $30,000 in debt and we're behind on our bills. Should we file bankruptcy?" </li>
  <li>"How can I pay off debt when I have nothing left over after paying all of my bills?"</li>
  <li>"My wife's friends told her that I am being financially controlling. Are they right?"</li>
  <li>"Can I use my kids' 529 plans to pay down my debt?"</li>
  <li>"Are my girlfriend and I building too much house?"</li>
  <li>"Should I hold off on paying my student loans and let the military pay them off?"</li>
  <li>"How do we figure out if it's worth it to move to a different state for a better quality of life?"</li>
  <li>"What's the best way to invest $1 million from a business deal?"</li>
  <li>"I caught my husband lying to me about our finances. How do I begin to rebuild trust in him?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤓 <a href="https://ter.li/zxcmi0">⁠File your taxes with 100% accurate software that’s less than half of the price.⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠</a> </p>
<p>💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/12nv4l">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor ⁠</a></p>
<p> </p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us/">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com/">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today</li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6853</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f092c09a-9a53-11f0-be6b-976bfb322dec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6348982717.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>His Dad Took Out $70K in Parent PLUS Loans and Didn’t Tell Him</title>
      <description>🤔 ⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!



Ken Coleman and Jade Warshaw answer your questions and discuss:


  “Should I be paying off the Parent PLUS loan my dad took out?”

  “My husband and I feel behind. We don’t have a house or retirement savings and we’re $50,000 in debt”

  “Should I switch to a job that will pay more but I will enjoy less?”

  “We have money to pay off a car loan but also have a newborn, is it wise to pay off the car loan now or should we wait?”

  “I was recently laid off from my job and have an opportunity to help a scrappy startup. Should I take it?”

  “How do we teach our 6 year old daughter about contentment?”

  “My mom recently passed away and I am taking care of my siblings that are still minors. What should I do with her house?”

  “Should I use $8k from savings to publish my book?”

  “I’m living in a one bedroom apartment and about to have our second child. What should our next housing move be?”

  “I have $50,000 in savings at 21 years-old and I’m unsure what to do with it”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️⁠⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 11 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!



Ken Coleman and Jade Warshaw answer your questions and discuss:


  “Should I be paying off the Parent PLUS loan my dad took out?”

  “My husband and I feel behind. We don’t have a house or retirement savings and we’re $50,000 in debt”

  “Should I switch to a job that will pay more but I will enjoy less?”

  “We have money to pay off a car loan but also have a newborn, is it wise to pay off the car loan now or should we wait?”

  “I was recently laid off from my job and have an opportunity to help a scrappy startup. Should I take it?”

  “How do we teach our 6 year old daughter about contentment?”

  “My mom recently passed away and I am taking care of my siblings that are still minors. What should I do with her house?”

  “Should I use $8k from savings to publish my book?”

  “I’m living in a one bedroom apartment and about to have our second child. What should our next housing move be?”

  “I have $50,000 in savings at 21 years-old and I’m unsure what to do with it”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️⁠⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎁 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠Think you’re good with money? Take our Money in America quiz!</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“Should I be paying off the Parent PLUS loan my dad took out?”</li>
  <li>“My husband and I feel behind. We don’t have a house or retirement savings and we’re $50,000 in debt”</li>
  <li>“Should I switch to a job that will pay more but I will enjoy less?”</li>
  <li>“We have money to pay off a car loan but also have a newborn, is it wise to pay off the car loan now or should we wait?”</li>
  <li>“I was recently laid off from my job and have an opportunity to help a scrappy startup. Should I take it?”</li>
  <li>“How do we teach our 6 year old daughter about contentment?”</li>
  <li>“My mom recently passed away and I am taking care of my siblings that are still minors. What should I do with her house?”</li>
  <li>“Should I use $8k from savings to publish my book?”</li>
  <li>“I’m living in a one bedroom apartment and about to have our second child. What should our next housing move be?”</li>
  <li>“I have $50,000 in savings at 21 years-old and I’m unsure what to do with it”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>🎁 <a href="https://ter.li/xf40fd">⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6830</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f0cae11e-9a53-11f0-be6b-27bd8e0c951f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5053488645.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Follow a Proven Plan, Quit Making It Up As You Go</title>
      <description>✍️ ⁠⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  “How do I pay off my debt?”

  “Do we need to be 'gazelle intense' with our investing?”

  “Should I help my sister out financially in order for her to come visit for Thanksgiving?”

  “I am struggling to balance paying off debt and spending time with family. How do I work through this?”

  “How do my fiancé and I plan to protect both his family business and my security?”

  “How do I start investing?”

  “I don’t make enough to cover my expenses every month. Can I consolidate my debt before I fall behind?”

  “How do I stop struggling with personal fulfillment after my divorce?”

  “I have $140,000 in credit card debt. Should I go into default and use debt relief programs?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎁 ⁠24 Hours Only! Grab life-changing gifts for just $11⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  For more information, go to ⁠SimpliSafe⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 10 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>✍️ ⁠⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  “How do I pay off my debt?”

  “Do we need to be 'gazelle intense' with our investing?”

  “Should I help my sister out financially in order for her to come visit for Thanksgiving?”

  “I am struggling to balance paying off debt and spending time with family. How do I work through this?”

  “How do my fiancé and I plan to protect both his family business and my security?”

  “How do I start investing?”

  “I don’t make enough to cover my expenses every month. Can I consolidate my debt before I fall behind?”

  “How do I stop struggling with personal fulfillment after my divorce?”

  “I have $140,000 in credit card debt. Should I go into default and use debt relief programs?”




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎁 ⁠24 Hours Only! Grab life-changing gifts for just $11⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  For more information, go to ⁠SimpliSafe⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>✍️ <a href="https://ter.li/89c790">⁠⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How do I pay off my debt?”</li>
  <li>“Do we need to be 'gazelle intense' with our investing?”</li>
  <li>“Should I help my sister out financially in order for her to come visit for Thanksgiving?”</li>
  <li>“I am struggling to balance paying off debt and spending time with family. How do I work through this?”</li>
  <li>“How do my fiancé and I plan to protect both his family business and my security?”</li>
  <li>“How do I start investing?”</li>
  <li>“I don’t make enough to cover my expenses every month. Can I consolidate my debt before I fall behind?”</li>
  <li>“How do I stop struggling with personal fulfillment after my divorce?”</li>
  <li>“I have $140,000 in credit card debt. Should I go into default and use debt relief programs?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎁 <a href="https://ter.li/zzi7mx">⁠24 Hours Only! Grab life-changing gifts for just $11⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠ ⁠</a><a href="https://www.casper.com/Ramsey">⁠<strong>Casper Sleep</strong>⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠<strong>Guardian Litigation Group</strong>⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠<strong>SimpliSafe</strong>⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today</li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6871</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f1018610-9a53-11f0-be6b-4759eb3463a0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2348743419.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Willing To Trade Your Comfort Today For Peace Tomorrow?</title>
      <description>✍️ ⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Should I drop out of college to go into the family business?"

  "Should we buy a car before paying off debt?"

  "My husband wants to invest instead of pay off debt"

  "Should we build a home for my in-laws so we can move into their house?"

  "Our insurance premium just doubled. Should we look for an alternative?"

  "Should we cash out our retirement to pay off debt?"

  "How do I overcome my spending addiction?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 07 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:summary>✍️ ⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Should I drop out of college to go into the family business?"

  "Should we buy a car before paying off debt?"

  "My husband wants to invest instead of pay off debt"

  "Should we build a home for my in-laws so we can move into their house?"

  "Our insurance premium just doubled. Should we look for an alternative?"

  "Should we cash out our retirement to pay off debt?"

  "How do I overcome my spending addiction?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>✍️ <a href="https://ter.li/89c790">⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should I drop out of college to go into the family business?"</li>
  <li>"Should we buy a car before paying off debt?"</li>
  <li>"My husband wants to invest instead of pay off debt"</li>
  <li>"Should we build a home for my in-laws so we can move into their house?"</li>
  <li>"Our insurance premium just doubled. Should we look for an alternative?"</li>
  <li>"Should we cash out our retirement to pay off debt?"</li>
  <li>"How do I overcome my spending addiction?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
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<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7128</itunes:duration>
      <guid isPermaLink="false"><![CDATA[efe74e90-9a53-11f0-be6b-77e6d7ace7d7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4238292222.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>He’s Still Living With His Ex’s Parents and Needs a Way Out</title>
      <description>✍️ ⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "I've been fired 14 times and no employer will look at me now. What are my options to get out of this cycle?" 

  "I was living with my girlfriend and her family, we broke up and now I have to move out and I don't know what to do"

  "Should I use my bonus to gain equity in the small business I work for?"

  "I bought an Airbnb cabin and now I am behind on my bills"

  "My dad offered to cashflow my first home. How do I structure this the right way?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 06 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>✍️ ⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "I've been fired 14 times and no employer will look at me now. What are my options to get out of this cycle?" 

  "I was living with my girlfriend and her family, we broke up and now I have to move out and I don't know what to do"

  "Should I use my bonus to gain equity in the small business I work for?"

  "I bought an Airbnb cabin and now I am behind on my bills"

  "My dad offered to cashflow my first home. How do I structure this the right way?"




Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>✍️ <a href="https://ter.li/89c790">⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠</a>

Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"I've been fired 14 times and no employer will look at me now. What are my options to get out of this cycle?" </li>
  <li>"I was living with my girlfriend and her family, we broke up and now I have to move out and I don't know what to do"</li>
  <li>"Should I use my bonus to gain equity in the small business I work for?"</li>
  <li>"I bought an Airbnb cabin and now I am behind on my bills"</li>
  <li>"My dad offered to cashflow my first home. How do I structure this the right way?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
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<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6799</itunes:duration>
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    </item>
    <item>
      <title>She's 20 and Her Parents Want Her To Buy Them A House</title>
      <description>✍️ ⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "My parents want me to use my savings to buy them a house"

  "I'm $65,000 in debt and I feel completely overwhelmed"

  "My father has a $1.3 million net worth and none of it is invested. How do I help him grow his wealth?"

  "Should I stop investing in Baby Step 2 and lose out on my employer match?"

  "I lost everything in my divorce and I don't know how I am going to pay rent this month"

  "How do I save up for our wedding while I am in Baby Step 2?".




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🎅 ⁠⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 05 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>✍️ ⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "My parents want me to use my savings to buy them a house"

  "I'm $65,000 in debt and I feel completely overwhelmed"

  "My father has a $1.3 million net worth and none of it is invested. How do I help him grow his wealth?"

  "Should I stop investing in Baby Step 2 and lose out on my employer match?"

  "I lost everything in my divorce and I don't know how I am going to pay rent this month"

  "How do I save up for our wedding while I am in Baby Step 2?".




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🎅 ⁠⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>✍️ <a href="https://ter.li/89c790">⁠⁠⁠Help us make the show better! Take this 6-question survey.⁠⁠</a></p>
<p>George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"My parents want me to use my savings to buy them a house"</li>
  <li>"I'm $65,000 in debt and I feel completely overwhelmed"</li>
  <li>"My father has a $1.3 million net worth and none of it is invested. How do I help him grow his wealth?"</li>
  <li>"Should I stop investing in Baby Step 2 and lose out on my employer match?"</li>
  <li>"I lost everything in my divorce and I don't know how I am going to pay rent this month"</li>
  <li>"How do I save up for our wedding while I am in Baby Step 2?".</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>🎅 <a href="https://ter.li/xf40fd">⁠⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/57anvf">⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6823</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ef7b1234-9a53-11f0-be6b-2b5740275255]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4739092418.mp3" length="0" type="audio/mpeg"/>
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    <item>
      <title>A Past Gambling Problem Is Haunting His Financial Future</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Dr. John Delony answer your questions and discuss:


  “My friends are telling me to pay off my truck but I’d rather just keep paying the payments”

  “What’s the best method for throwing cash at my various loans?”

  “How do I get out of a life insurance policy that I’ve already invested in?”

  “Should we buy a home or prioritize investing at our age?”

  “Should I take out a HELOC to pay for my kids’ private high school tuition?”

  “How do we start the baby steps when we’re $150,000 in debt?”

  “Should I buy an older cheap car or just get a new one?”

  “We are in our 70s, should we spend $35,000 to go to Europe?”

  “How do I best use a $200k bonus?”

  “How can I encourage my father to make wise, biblical decisions about his estate?”

  “Should we rent or buy once we move?”

  “How much house can we afford?”

  “I’m making $250,000 a year but can’t afford a home in my area. Where should I be saving my money?”

  “It would take over ten years to pay off our debt. Do the baby steps still work for us?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



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🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 04 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Dr. John Delony answer your questions and discuss:


  “My friends are telling me to pay off my truck but I’d rather just keep paying the payments”

  “What’s the best method for throwing cash at my various loans?”

  “How do I get out of a life insurance policy that I’ve already invested in?”

  “Should we buy a home or prioritize investing at our age?”

  “Should I take out a HELOC to pay for my kids’ private high school tuition?”

  “How do we start the baby steps when we’re $150,000 in debt?”

  “Should I buy an older cheap car or just get a new one?”

  “We are in our 70s, should we spend $35,000 to go to Europe?”

  “How do I best use a $200k bonus?”

  “How can I encourage my father to make wise, biblical decisions about his estate?”

  “Should we rent or buy once we move?”

  “How much house can we afford?”

  “I’m making $250,000 a year but can’t afford a home in my area. Where should I be saving my money?”

  “It would take over ten years to pay off our debt. Do the baby steps still work for us?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠



Connect With Our Sponsors:


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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“My friends are telling me to pay off my truck but I’d rather just keep paying the payments”</li>
  <li>“What’s the best method for throwing cash at my various loans?”</li>
  <li>“How do I get out of a life insurance policy that I’ve already invested in?”</li>
  <li>“Should we buy a home or prioritize investing at our age?”</li>
  <li>“Should I take out a HELOC to pay for my kids’ private high school tuition?”</li>
  <li>“How do we start the baby steps when we’re $150,000 in debt?”</li>
  <li>“Should I buy an older cheap car or just get a new one?”</li>
  <li>“We are in our 70s, should we spend $35,000 to go to Europe?”</li>
  <li>“How do I best use a $200k bonus?”</li>
  <li>“How can I encourage my father to make wise, biblical decisions about his estate?”</li>
  <li>“Should we rent or buy once we move?”</li>
  <li>“How much house can we afford?”</li>
  <li>“I’m making $250,000 a year but can’t afford a home in my area. Where should I be saving my money?”</li>
  <li>“It would take over ten years to pay off our debt. Do the baby steps still work for us?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>💵 <a href="https://ter.li/57anvf">⁠<u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/xf40fd">⁠You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6867</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ef41e108-9a53-11f0-be6b-b7f883d94d3d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8960350512.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>He Has Marriage Problems Disguised As Money Problems</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Does it make sense to use balance transfer cards to pay off my debt instead of consolidating?"

  "I'm $52,000 in debt, how do I get rid of the debt without selling my toys?"

  "I'm recovering from a car wreck and barely surviving on disability. How do I not feel like I'm letting my family down?"

  "How do we prepare for our 6th baby?" 

  "Should we refinance our car loan?"

  "My company stock has lost 30% of its value. Should I cut my losses and cash out the stock?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠



Connect With Our Sponsors:


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠


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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 03 Nov 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Does it make sense to use balance transfer cards to pay off my debt instead of consolidating?"

  "I'm $52,000 in debt, how do I get rid of the debt without selling my toys?"

  "I'm recovering from a car wreck and barely surviving on disability. How do I not feel like I'm letting my family down?"

  "How do we prepare for our 6th baby?" 

  "Should we refinance our car loan?"

  "My company stock has lost 30% of its value. Should I cut my losses and cash out the stock?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Does it make sense to use balance transfer cards to pay off my debt instead of consolidating?"</li>
  <li>"I'm $52,000 in debt, how do I get rid of the debt without selling my toys?"</li>
  <li>"I'm recovering from a car wreck and barely surviving on disability. How do I not feel like I'm letting my family down?"</li>
  <li>"How do we prepare for our 6th baby?" </li>
  <li>"Should we refinance our car loan?"</li>
  <li>"My company stock has lost 30% of its value. Should I cut my losses and cash out the stock?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠⁠⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
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    </item>
    <item>
      <title>A $60,000 Mistake Turned Into a Wake-Up Call</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jade Warshaw and Ken Coleman answer your questions and discuss:


  “My RV payment is 50% of my income and it’s on a 15-year, 17% interest rate loan. What should I do?”

  “My ex-fiacée is pregnant with my kid. I feel like she is taking advantage of me financially. Should I stop giving her money?”

  “My husband started a small business and it rarely brings in income. How long do we keep this going?”

  “We are $103,000 in debt. How do we stop ourselves from going back into debt once we pay this off?”

  “I was just laid off today. How do I choose a severance option?”

  “Should I pay my debt off now or wait?”

  “How much do I need to save for the birth of our child?”

  “I’m about to be gifted a 25% stake in a business and I don’t want it. What should I do?”

  “When transitioning to cash, how do we pay last month’s bills and this month’s bills?”

  “I won $200,000 in the lottery. What should I do with this money?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget ⁠

🎅 ⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠



Connect With Our Sponsors:


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💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 31 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jade Warshaw and Ken Coleman answer your questions and discuss:


  “My RV payment is 50% of my income and it’s on a 15-year, 17% interest rate loan. What should I do?”

  “My ex-fiacée is pregnant with my kid. I feel like she is taking advantage of me financially. Should I stop giving her money?”

  “My husband started a small business and it rarely brings in income. How long do we keep this going?”

  “We are $103,000 in debt. How do we stop ourselves from going back into debt once we pay this off?”

  “I was just laid off today. How do I choose a severance option?”

  “Should I pay my debt off now or wait?”

  “How much do I need to save for the birth of our child?”

  “I’m about to be gifted a 25% stake in a business and I don’t want it. What should I do?”

  “When transitioning to cash, how do we pay last month’s bills and this month’s bills?”

  “I won $200,000 in the lottery. What should I do with this money?”




Next Steps:

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🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

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📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠

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🎅 ⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Jade Warshaw and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>“My RV payment is 50% of my income and it’s on a 15-year, 17% interest rate loan. What should I do?”</li>
  <li>“My ex-fiacée is pregnant with my kid. I feel like she is taking advantage of me financially. Should I stop giving her money?”</li>
  <li>“My husband started a small business and it rarely brings in income. How long do we keep this going?”</li>
  <li>“We are $103,000 in debt. How do we stop ourselves from going back into debt once we pay this off?”</li>
  <li>“I was just laid off today. How do I choose a severance option?”</li>
  <li>“Should I pay my debt off now or wait?”</li>
  <li>“How much do I need to save for the birth of our child?”</li>
  <li>“I’m about to be gifted a 25% stake in a business and I don’t want it. What should I do?”</li>
  <li>“When transitioning to cash, how do we pay last month’s bills and this month’s bills?”</li>
  <li>“I won $200,000 in the lottery. What should I do with this money?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠Protect yourself with trusted insurance coverage that fits your budget ⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6872</itunes:duration>
      <guid isPermaLink="false"><![CDATA[edefe278-9a53-11f0-be6b-dbccf650d253]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1783029174.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Lean Into Hard Things—That’s Where Change Happens</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Dr. John Delony answer your questions and discuss:


  “How can we overcome money issues like we did addiction &amp; alcoholism?”

  “How do I combine finances with my girlfriend?”

  “How do we get my mom to move out of our house?”

  “Are precious metals a good investment?”

  “I’m upside down on an RV, how do I get rid of it?”

  “Should I pay my husband’s credit card debt from gambling and reckless spending?”

  “Should we teach our kids about money with cash or debit cards?”

  “My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?”

  “Should I pull money out of a retirement account for baby step 1?”

  “Everyone is telling me to go even more into debt instead of paying it off”

  “I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?”

  “The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠



Connect With Our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 30 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Dr. John Delony answer your questions and discuss:


  “How can we overcome money issues like we did addiction &amp; alcoholism?”

  “How do I combine finances with my girlfriend?”

  “How do we get my mom to move out of our house?”

  “Are precious metals a good investment?”

  “I’m upside down on an RV, how do I get rid of it?”

  “Should I pay my husband’s credit card debt from gambling and reckless spending?”

  “Should we teach our kids about money with cash or debit cards?”

  “My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?”

  “Should I pull money out of a retirement account for baby step 1?”

  “Everyone is telling me to go even more into debt instead of paying it off”

  “I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?”

  “The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

📘 ⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


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  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How can we overcome money issues like we did addiction &amp; alcoholism?”</li>
  <li>“How do I combine finances with my girlfriend?”</li>
  <li>“How do we get my mom to move out of our house?”</li>
  <li>“Are precious metals a good investment?”</li>
  <li>“I’m upside down on an RV, how do I get rid of it?”</li>
  <li>“Should I pay my husband’s credit card debt from gambling and reckless spending?”</li>
  <li>“Should we teach our kids about money with cash or debit cards?”</li>
  <li>“My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?”</li>
  <li>“Should I pull money out of a retirement account for baby step 1?”</li>
  <li>“Everyone is telling me to go even more into debt instead of paying it off”</li>
  <li>“I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?”</li>
  <li>“The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan. ⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">⁠Preorder What No One Tells You About Money today now and get $100+ in bonus items.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
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      <itunes:duration>6866</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ee267630-9a53-11f0-be6b-4f0bb9f038b3]]></guid>
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    <item>
      <title>Stop Chasing Payments and Choose Freedom</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Dr. John Delony answer your questions and discuss:


  “Should I let my car get repossessed and get a cheaper car or get it paid off?”

  “How do I ask for a raise based on my performance at work?”

  “We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”

  “Should we file bankruptcy?”

  “Should I pay off my credit card with an old retirement account?”

  “How do we deal with friends while paying off debt?”

  “How do we protect our assets in case one of us relapses?”

  “I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”

  “After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”

  “How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”

  “How do we get out of the financial disaster that we’re in?”

  “I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠



Connect With Our Sponsors:


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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 29 Oct 2025 22:36:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Dr. John Delony answer your questions and discuss:


  “Should I let my car get repossessed and get a cheaper car or get it paid off?”

  “How do I ask for a raise based on my performance at work?”

  “We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”

  “Should we file bankruptcy?”

  “Should I pay off my credit card with an old retirement account?”

  “How do we deal with friends while paying off debt?”

  “How do we protect our assets in case one of us relapses?”

  “I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”

  “After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”

  “How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”

  “How do we get out of the financial disaster that we’re in?”

  “I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

🛡️⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“Should I let my car get repossessed and get a cheaper car or get it paid off?”</li>
  <li>“How do I ask for a raise based on my performance at work?”</li>
  <li>“We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”</li>
  <li>“Should we file bankruptcy?”</li>
  <li>“Should I pay off my credit card with an old retirement account?”</li>
  <li>“How do we deal with friends while paying off debt?”</li>
  <li>“How do we protect our assets in case one of us relapses?”</li>
  <li>“I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”</li>
  <li>“After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”</li>
  <li>“How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”</li>
  <li>“How do we get out of the financial disaster that we’re in?”</li>
  <li>“I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/5qko9m">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠Protect yourself with trusted insurance coverage that fits your budget ⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
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</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6805</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ee5c6560-9a53-11f0-be6b-37d964a3ed6b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9114089033.mp3?updated=1761777690" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Big Paychecks Won’t Fix Dumb Financial Decisions</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jade Warshaw and George Kamel answer your questions and discuss:


  “Why isn’t bankruptcy a good way to force me into a “cash is king” approach to debt?”

  “My mother expects my brother and me to take care of her financially in her old age. What should we do?”

  “How do we pay off a HELOC that we’ve been using as a giant credit card?”

  “How do I deal with family that’s mismanaging their money?”

  “Should I stay in my job or go to college?”

  “I’m $90,000 in debt and I’m struggling to cut back my expenses. How do I get into a “rice and beans” mentality?”

  “My mother is in $90,000 of debt and after digging into her finances, I have no idea how to help her”

  “If I was looking for a risky investment, what are my best options?”

  “Should we pull money from retirement or take out a Heloc to cover our expenses when my husband changes careers?”

  “Do you recommend adult children living with parents without contributing to expenses?”

  “Should we sell our dream home for financial peace?”

  “My father gave me a loan for my house. Should I pay him back or have it taken out of my inheritance?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🛡️⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎅 ⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠



Connect With Our Sponsors:


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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 28 Oct 2025 22:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jade Warshaw and George Kamel answer your questions and discuss:


  “Why isn’t bankruptcy a good way to force me into a “cash is king” approach to debt?”

  “My mother expects my brother and me to take care of her financially in her old age. What should we do?”

  “How do we pay off a HELOC that we’ve been using as a giant credit card?”

  “How do I deal with family that’s mismanaging their money?”

  “Should I stay in my job or go to college?”

  “I’m $90,000 in debt and I’m struggling to cut back my expenses. How do I get into a “rice and beans” mentality?”

  “My mother is in $90,000 of debt and after digging into her finances, I have no idea how to help her”

  “If I was looking for a risky investment, what are my best options?”

  “Should we pull money from retirement or take out a Heloc to cover our expenses when my husband changes careers?”

  “Do you recommend adult children living with parents without contributing to expenses?”

  “Should we sell our dream home for financial peace?”

  “My father gave me a loan for my house. Should I pay him back or have it taken out of my inheritance?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🛡️⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎅 ⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Jade Warshaw and George Kamel answer your questions and discuss:</p>
<ul>
  <li>“Why isn’t bankruptcy a good way to force me into a “cash is king” approach to debt?”</li>
  <li>“My mother expects my brother and me to take care of her financially in her old age. What should we do?”</li>
  <li>“How do we pay off a HELOC that we’ve been using as a giant credit card?”</li>
  <li>“How do I deal with family that’s mismanaging their money?”</li>
  <li>“Should I stay in my job or go to college?”</li>
  <li>“I’m $90,000 in debt and I’m struggling to cut back my expenses. How do I get into a “rice and beans” mentality?”</li>
  <li>“My mother is in $90,000 of debt and after digging into her finances, I have no idea how to help her”</li>
  <li>“If I was looking for a risky investment, what are my best options?”</li>
  <li>“Should we pull money from retirement or take out a Heloc to cover our expenses when my husband changes careers?”</li>
  <li>“Do you recommend adult children living with parents without contributing to expenses?”</li>
  <li>“Should we sell our dream home for financial peace?”</li>
  <li>“My father gave me a loan for my house. Should I pay him back or have it taken out of my inheritance?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan. ⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7223</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ee95f334-9a53-11f0-be6b-fb868c02462f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1830837508.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Normal Is Broke—Don't be Normal!</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Jade Warshaw answer your questions and discuss:


  “I feel swindled by my whole life policy – I was relying on it for my retirement and I'm lost...”

  “Is it worth it to take a loan out to buy a more expensive car?”

  “We are $287,000 in debt and we keep blowing through our baby step 1 emergency fund. Should we increase it?”

  “I’m going to be laid off in January, what should I do?”

  “How do we stop feeling guilty about our plans to buy a home?”

  “How do I overcome my mentality of holding on to money instead of paying debt?”

  “How do I tell my girlfriend that I lied about my financial situation?”

  “Should I stop investing while I am saving for a down payment on a house?”

  “Can we withdraw $2k/month so I can stay home with our kids?”

  “How do we navigate job loss and a high-risk pregnancy?”

  “How do we get out of mobile home hell?”

  “Can I quit my job and become a stay-at-home father?”

  “Which pension payout should I choose?”

  “Should I be paying off my student loans while I’m in college?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget ⁠



Connect With Our Sponsors:


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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 27 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and Jade Warshaw answer your questions and discuss:


  “I feel swindled by my whole life policy – I was relying on it for my retirement and I'm lost...”

  “Is it worth it to take a loan out to buy a more expensive car?”

  “We are $287,000 in debt and we keep blowing through our baby step 1 emergency fund. Should we increase it?”

  “I’m going to be laid off in January, what should I do?”

  “How do we stop feeling guilty about our plans to buy a home?”

  “How do I overcome my mentality of holding on to money instead of paying debt?”

  “How do I tell my girlfriend that I lied about my financial situation?”

  “Should I stop investing while I am saving for a down payment on a house?”

  “Can we withdraw $2k/month so I can stay home with our kids?”

  “How do we navigate job loss and a high-risk pregnancy?”

  “How do we get out of mobile home hell?”

  “Can I quit my job and become a stay-at-home father?”

  “Which pension payout should I choose?”

  “Should I be paying off my student loans while I’m in college?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“I feel swindled by my whole life policy – I was relying on it for my retirement and I'm lost...”</li>
  <li>“Is it worth it to take a loan out to buy a more expensive car?”</li>
  <li>“We are $287,000 in debt and we keep blowing through our baby step 1 emergency fund. Should we increase it?”</li>
  <li>“I’m going to be laid off in January, what should I do?”</li>
  <li>“How do we stop feeling guilty about our plans to buy a home?”</li>
  <li>“How do I overcome my mentality of holding on to money instead of paying debt?”</li>
  <li>“How do I tell my girlfriend that I lied about my financial situation?”</li>
  <li>“Should I stop investing while I am saving for a down payment on a house?”</li>
  <li>“Can we withdraw $2k/month so I can stay home with our kids?”</li>
  <li>“How do we navigate job loss and a high-risk pregnancy?”</li>
  <li>“How do we get out of mobile home hell?”</li>
  <li>“Can I quit my job and become a stay-at-home father?”</li>
  <li>“Which pension payout should I choose?”</li>
  <li>“Should I be paying off my student loans while I’m in college?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠Protect yourself with trusted insurance coverage that fits your budget ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
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    </item>
    <item>
      <title>You Can Rebuild No Matter Where You Are</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  “What should I do with my 401(k) after getting laid off?”

  “Should I take out a HELOC to help my aunt financially?”

  “How do I get out of debt with my income?”

  “How do I convince my fiancé to work the baby steps?”

  “How do I decide if making a career change is the best thing for my family’s future?”

  “What should I do about a car that is underwater and needs repairs?”

  “My husband wants to quit his job to drive for Uber again...”

  “How do we figure out ownership of a house we bought with my parents?”

  “What should I do with my 401(k) after my company is acquired by a larger company?”

  “Should we buy a new house or remodel our current home?”

  “Should I change my attitude about tithing?”

  “How much should I spend on a car?”

  “My husband wants to be involved in how money I inherited is handled because we are 'one'..."




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠

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  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 24 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  “What should I do with my 401(k) after getting laid off?”

  “Should I take out a HELOC to help my aunt financially?”

  “How do I get out of debt with my income?”

  “How do I convince my fiancé to work the baby steps?”

  “How do I decide if making a career change is the best thing for my family’s future?”

  “What should I do about a car that is underwater and needs repairs?”

  “My husband wants to quit his job to drive for Uber again...”

  “How do we figure out ownership of a house we bought with my parents?”

  “What should I do with my 401(k) after my company is acquired by a larger company?”

  “Should we buy a new house or remodel our current home?”

  “Should I change my attitude about tithing?”

  “How much should I spend on a car?”

  “My husband wants to be involved in how money I inherited is handled because we are 'one'..."




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎅 ⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“What should I do with my 401(k) after getting laid off?”</li>
  <li>“Should I take out a HELOC to help my aunt financially?”</li>
  <li>“How do I get out of debt with my income?”</li>
  <li>“How do I convince my fiancé to work the baby steps?”</li>
  <li>“How do I decide if making a career change is the best thing for my family’s future?”</li>
  <li>“What should I do about a car that is underwater and needs repairs?”</li>
  <li>“My husband wants to quit his job to drive for Uber again...”</li>
  <li>“How do we figure out ownership of a house we bought with my parents?”</li>
  <li>“What should I do with my 401(k) after my company is acquired by a larger company?”</li>
  <li>“Should we buy a new house or remodel our current home?”</li>
  <li>“Should I change my attitude about tithing?”</li>
  <li>“How much should I spend on a car?”</li>
  <li>“My husband wants to be involved in how money I inherited is handled because we are 'one'..."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/7gpkde">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6829</itunes:duration>
      <guid isPermaLink="false"><![CDATA[edb31dde-9a53-11f0-be6b-6f96e367a47f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9678482478.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Time To Stop Surviving And Start Winning With Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  "Should we sell our new house after a local church opened a homeless shelter across the street?"

  "How do we stay motivated to pay off debt when being debt-free feels unachievable?"

  "I'm about to go $500k into debt buying a business and a home at the same time..." 

  "How do I stop living paycheck-to-paycheck?"

  "Should I use a VA loan to buy a mobile home?"

  " Can I invest now and worry about my emergency fund later?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

🏠 Use our mortgage calculator to see how much home you can afford!



Connect With Our Sponsors:


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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 23 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  "Should we sell our new house after a local church opened a homeless shelter across the street?"

  "How do we stay motivated to pay off debt when being debt-free feels unachievable?"

  "I'm about to go $500k into debt buying a business and a home at the same time..." 

  "How do I stop living paycheck-to-paycheck?"

  "Should I use a VA loan to buy a mobile home?"

  " Can I invest now and worry about my emergency fund later?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

🏠 Use our mortgage calculator to see how much home you can afford!



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠</a>

George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should we sell our new house after a local church opened a homeless shelter across the street?"</li>
  <li>"How do we stay motivated to pay off debt when being debt-free feels unachievable?"</li>
  <li>"I'm about to go $500k into debt buying a business and a home at the same time..." </li>
  <li>"How do I stop living paycheck-to-paycheck?"</li>
  <li>"Should I use a VA loan to buy a mobile home?"</li>
  <li>" Can I invest now and worry about my emergency fund later?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/7gpkde">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/hy9byi">Use our mortgage calculator to see how much home you can afford!</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6818</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ed784f56-9a53-11f0-be6b-0b36554bc4f4]]></guid>
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    </item>
    <item>
      <title>Stop Letting Other People Wreck Your Finances </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and George Kamel answer your questions and discuss:


  "Should I take out a loan to pay off debt in collections?"

  "How do I convince my husband to quit his church job?"

  "How do I stop spending so I can reach my financial goals?"

  "I don't trust the decisions my husband is making in our business..."

  "How do I tell my parents that I got into my dream school?"

  "How do I talk to my dad about his retirement plan?"

  "How do I stop my in-laws from guilting my husband into giving them money?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Wed, 22 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

Rachel Cruze and George Kamel answer your questions and discuss:


  "Should I take out a loan to pay off debt in collections?"

  "How do I convince my husband to quit his church job?"

  "How do I stop spending so I can reach my financial goals?"

  "I don't trust the decisions my husband is making in our business..."

  "How do I tell my parents that I got into my dream school?"

  "How do I talk to my dad about his retirement plan?"

  "How do I stop my in-laws from guilting my husband into giving them money?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Should I take out a loan to pay off debt in collections?"</li>
  <li>"How do I convince my husband to quit his church job?"</li>
  <li>"How do I stop spending so I can reach my financial goals?"</li>
  <li>"I don't trust the decisions my husband is making in our business..."</li>
  <li>"How do I tell my parents that I got into my dream school?"</li>
  <li>"How do I talk to my dad about his retirement plan?"</li>
  <li>"How do I stop my in-laws from guilting my husband into giving them money?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/5qko9m">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>7130</itunes:duration>
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    </item>
    <item>
      <title>You Can’t Outearn Your Stupidity </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "Am I ok to use credit cards as long as I pay them off every month?"

  "Should I focus on paying down debt or saving if I will be without a job for about a year and a half?"

  "Should my girlfriend and I get an apartment together?"

  "Should I be investing in a 529 or mutual funds for my kids?"

  "I have $30,000 in debt, how do I go about paying this off?"

  "My family doesn’t think it is a good idea to rent out my main home and live in the loft apartment. Why shouldn’t I?". 






Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor!⁠



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  Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 21 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "Am I ok to use credit cards as long as I pay them off every month?"

  "Should I focus on paying down debt or saving if I will be without a job for about a year and a half?"

  "Should my girlfriend and I get an apartment together?"

  "Should I be investing in a 529 or mutual funds for my kids?"

  "I have $30,000 in debt, how do I go about paying this off?"

  "My family doesn’t think it is a good idea to rent out my main home and live in the loft apartment. Why shouldn’t I?". 






Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠

❤️‍🩹 ⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor!⁠



Connect With Our Sponsors:


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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠</a>

George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Am I ok to use credit cards as long as I pay them off every month?"</li>
  <li>"Should I focus on paying down debt or saving if I will be without a job for about a year and a half?"</li>
  <li>"Should my girlfriend and I get an apartment together?"</li>
  <li>"Should I be investing in a 529 or mutual funds for my kids?"</li>
  <li>"I have $30,000 in debt, how do I go about paying this off?"</li>
  <li>"My family doesn’t think it is a good idea to rent out my main home and live in the loft apartment. Why shouldn’t I?". </li>
</ul>
<ul>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/7gpkde">⁠Open Enrollment is here—get free help from a RamseyTrusted health advisor!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
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  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6855</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ed023b36-9a53-11f0-be6b-c3021c448008]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1907437484.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> There Are No Shortcuts To Building Wealth </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠ 

Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "I'm in $60,000 of debt, how do I pay it off?"

  "The government shutdown is effecting my husband's paychecks, should we jump to Baby Step 3?"

  "Should I pay off my student loan debt before I buy my house?"

  "I was able to get out of debt while still enjoying my lifestyle, did I complete Baby Step 2 correctly?

  "Is "house hacking" a good idea?".

  “How can I feel blessed by my husband’s gift giving when it comes from our finances?”

  “How much life insurance should we have on our kids?”

  “Should we use the money we set aside for taxes to pay off debt?”

  “How do I get out of over $30,000 of debt?”

  "We just got married and are in over $40,000 of debt."

  "How should we approach paying this off?"

  “Does it make sense to keep our more expensive health insurance so that we can access our HSA investment options?”

  "My husband doesn’t make much money, how can I inspire him to get a higher paying job?"

  “How do couples merge their finances when they disagree on how money should be allocated?”

  “How much should I spend on a car?”

  “I paid for my sister’s house. How should we title the home to protect ourselves in case something happens to her?”

  “Should I keep hustling or slow down to spend time with my family?”


 

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠

 

Connect With Our Sponsors:


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  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

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 Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 20 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠ 

Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "I'm in $60,000 of debt, how do I pay it off?"

  "The government shutdown is effecting my husband's paychecks, should we jump to Baby Step 3?"

  "Should I pay off my student loan debt before I buy my house?"

  "I was able to get out of debt while still enjoying my lifestyle, did I complete Baby Step 2 correctly?

  "Is "house hacking" a good idea?".

  “How can I feel blessed by my husband’s gift giving when it comes from our finances?”

  “How much life insurance should we have on our kids?”

  “Should we use the money we set aside for taxes to pay off debt?”

  “How do I get out of over $30,000 of debt?”

  "We just got married and are in over $40,000 of debt."

  "How should we approach paying this off?"

  “Does it make sense to keep our more expensive health insurance so that we can access our HSA investment options?”

  "My husband doesn’t make much money, how can I inspire him to get a higher paying job?"

  “How do couples merge their finances when they disagree on how money should be allocated?”

  “How much should I spend on a car?”

  “I paid for my sister’s house. How should we title the home to protect ourselves in case something happens to her?”

  “Should I keep hustling or slow down to spend time with my family?”


 

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💻 ⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠

 

Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 


 Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>Jade Warshaw and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"I'm in $60,000 of debt, how do I pay it off?"</li>
  <li>"The government shutdown is effecting my husband's paychecks, should we jump to Baby Step 3?"</li>
  <li>"Should I pay off my student loan debt before I buy my house?"</li>
  <li>"I was able to get out of debt while still enjoying my lifestyle, did I complete Baby Step 2 correctly?</li>
  <li>"Is "house hacking" a good idea?".</li>
  <li>“How can I feel blessed by my husband’s gift giving when it comes from our finances?”</li>
  <li>“How much life insurance should we have on our kids?”</li>
  <li>“Should we use the money we set aside for taxes to pay off debt?”</li>
  <li>“How do I get out of over $30,000 of debt?”</li>
  <li>"We just got married and are in over $40,000 of debt."</li>
  <li>"How should we approach paying this off?"</li>
  <li>“Does it make sense to keep our more expensive health insurance so that we can access our HSA investment options?”</li>
  <li>"My husband doesn’t make much money, how can I inspire him to get a higher paying job?"</li>
  <li>“How do couples merge their finances when they disagree on how money should be allocated?”</li>
  <li>“How much should I spend on a car?”</li>
  <li>“I paid for my sister’s house. How should we title the home to protect ourselves in case something happens to her?”</li>
  <li>“Should I keep hustling or slow down to spend time with my family?”</li>
</ul>
<p> </p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>🏠 <a href="https://ter.li/cghel7">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠⁠</a></p>
<p> </p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠<strong>Guardian Litigation Group</strong>⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p> <strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6829</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ecc8f5ec-9a53-11f0-be6b-5354c8f91497]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2186614567.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Financial Comeback Starts Today</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

George Kamel and Ken Coleman answer your questions and discuss:


  “How do I turn my life around and be financially successful?”

  “How do I balance providing for my family and being present?”

  “How much should I be putting aside for Christmas?”

  “We are $86,000 in debt. How can we pay all this off quickly?”

  “How can I earn passive income while I am in college?”

  “How do I handle siblings who won’t pay their share of our cell phone plan?”

  “How do we combine finances after we get married?”

  “Are classic muscle cars as good of an investment as a home?”

  “Do college students have less of a chance of becoming successful today than in prior generations?”

  “How do we pay credit card minimums and still afford basic food &amp; utilities?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💻 ⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Fri, 17 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

George Kamel and Ken Coleman answer your questions and discuss:


  “How do I turn my life around and be financially successful?”

  “How do I balance providing for my family and being present?”

  “How much should I be putting aside for Christmas?”

  “We are $86,000 in debt. How can we pay all this off quickly?”

  “How can I earn passive income while I am in college?”

  “How do I handle siblings who won’t pay their share of our cell phone plan?”

  “How do we combine finances after we get married?”

  “Are classic muscle cars as good of an investment as a home?”

  “Do college students have less of a chance of becoming successful today than in prior generations?”

  “How do we pay credit card minimums and still afford basic food &amp; utilities?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💻 ⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠</a>

George Kamel and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>“How do I turn my life around and be financially successful?”</li>
  <li>“How do I balance providing for my family and being present?”</li>
  <li>“How much should I be putting aside for Christmas?”</li>
  <li>“We are $86,000 in debt. How can we pay all this off quickly?”</li>
  <li>“How can I earn passive income while I am in college?”</li>
  <li>“How do I handle siblings who won’t pay their share of our cell phone plan?”</li>
  <li>“How do we combine finances after we get married?”</li>
  <li>“Are classic muscle cars as good of an investment as a home?”</li>
  <li>“Do college students have less of a chance of becoming successful today than in prior generations?”</li>
  <li>“How do we pay credit card minimums and still afford basic food &amp; utilities?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠</a></p>
<p>📈 <a href="https://ter.li/5qko9m">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
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  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>7126</itunes:duration>
      <guid isPermaLink="false"><![CDATA[eba3e91a-9a53-11f0-be6b-ebe0f042d2da]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6382249998.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Still Take Charge Of Your Financial Future</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Can we stop my mother-in-law from using my husband's name on her investment accounts?"

  "I can't afford minimum payments on my debt after buying a house..."

  "Should I pay off a low-interest car loan or should I sell?"

  "Should I pull from my brokerage account to pay off my house?"

  "Should I include the car note I cosigned for in my debt snowball?"

  "What order should I pay off my debts?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠



Connect With Our Sponsors:


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  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 16 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Can we stop my mother-in-law from using my husband's name on her investment accounts?"

  "I can't afford minimum payments on my debt after buying a house..."

  "Should I pay off a low-interest car loan or should I sell?"

  "Should I pull from my brokerage account to pay off my house?"

  "Should I include the car note I cosigned for in my debt snowball?"

  "What order should I pay off my debts?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠


  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠</a>

Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Can we stop my mother-in-law from using my husband's name on her investment accounts?"</li>
  <li>"I can't afford minimum payments on my debt after buying a house..."</li>
  <li>"Should I pay off a low-interest car loan or should I sell?"</li>
  <li>"Should I pull from my brokerage account to pay off my house?"</li>
  <li>"Should I include the car note I cosigned for in my debt snowball?"</li>
  <li>"What order should I pay off my debts?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/eh6v8q">⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠<strong>Guardian Litigation Group</strong>⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6695</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ebdeede4-9a53-11f0-be6b-df54df1565ad]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1669533584.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Either Building Wealth or Losing It</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "Should I pay my parents what their house is worth after they sold it to me for $1?"

  "Should I convert my HELOC into a 15-year mortgage? We can't seem to make any progress on paying it off..." 

  "My friend claims to follow the Baby Steps but keeps doing stupid stuff with money. Should I say something?"

  "How much does my husband need to make for me to become a stay-at-home mom?"

  "How can I help my husband with his debt while still protecting my assets?"

  "After our divorce, my ex defaulted on our debt. Should I quit my job so I can qualify for bankruptcy?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 15 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "Should I pay my parents what their house is worth after they sold it to me for $1?"

  "Should I convert my HELOC into a 15-year mortgage? We can't seem to make any progress on paying it off..." 

  "My friend claims to follow the Baby Steps but keeps doing stupid stuff with money. Should I say something?"

  "How much does my husband need to make for me to become a stay-at-home mom?"

  "How can I help my husband with his debt while still protecting my assets?"

  "After our divorce, my ex defaulted on our debt. Should I quit my job so I can qualify for bankruptcy?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

💻 ⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should I pay my parents what their house is worth after they sold it to me for $1?"</li>
  <li>"Should I convert my HELOC into a 15-year mortgage? We can't seem to make any progress on paying it off..." </li>
  <li>"My friend claims to follow the Baby Steps but keeps doing stupid stuff with money. Should I say something?"</li>
  <li>"How much does my husband need to make for me to become a stay-at-home mom?"</li>
  <li>"How can I help my husband with his debt while still protecting my assets?"</li>
  <li>"After our divorce, my ex defaulted on our debt. Should I quit my job so I can qualify for bankruptcy?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠⁠⁠Find out where you stand with your money and get a free plan. ⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/5ai5qt">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6808</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ec51ab9a-9a53-11f0-be6b-df544b48667f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1026603904.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dumb Financial Decisions Stunt Your Financial Growth</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:


  "My fiancée wants to take on $200,000 in school debt right before we about to get married..."

  "How can I stop my girlfriend's mom from micromanaging our relationship?"

  "Should my son be leaving the house at 21 years-old?"

  "What should we prioritize, our business debt or our personal debt?"

  "Should I be helping my mom pay off her debt when I have my own?"

  "How do I plan my finances for a divorce?"

  "Should I buy a Ford Bronco or invest the $50,000?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 14 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:


  "My fiancée wants to take on $200,000 in school debt right before we about to get married..."

  "How can I stop my girlfriend's mom from micromanaging our relationship?"

  "Should my son be leaving the house at 21 years-old?"

  "What should we prioritize, our business debt or our personal debt?"

  "Should I be helping my mom pay off her debt when I have my own?"

  "How do I plan my finances for a divorce?"

  "Should I buy a Ford Bronco or invest the $50,000?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠</a>

Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"My fiancée wants to take on $200,000 in school debt right before we about to get married..."</li>
  <li>"How can I stop my girlfriend's mom from micromanaging our relationship?"</li>
  <li>"Should my son be leaving the house at 21 years-old?"</li>
  <li>"What should we prioritize, our business debt or our personal debt?"</li>
  <li>"Should I be helping my mom pay off her debt when I have my own?"</li>
  <li>"How do I plan my finances for a divorce?"</li>
  <li>"Should I buy a Ford Bronco or invest the $50,000?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠⁠⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p>📈<a href="https://ter.li/yy5ov1">⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
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  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6823</itunes:duration>
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    <item>
      <title>You Won’t Win With Money by Accident</title>
      <description>🤔 ⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:


  “I’m paying $500 a month for my leased HVAC system. Should I pay it off before I pay off my house?”

  “How do I convince my husband not to pay his dad’s property taxes every year?”

  “We are looking to buy our first home, what are some extra costs and inspections that we should be looking out for?”

  “How can we pay off debt when our daughter’s monthly tuition takes everything?”

  “My new husband keeps his finances hidden from me and I’m afraid what I will find out if we combine our accounts...”

  “We just inherited $1.3 million. What’s the best way to liquidate some of these assets?”

  “I’m in $85,000 of debt and I’m drowning in payments. How do I get rid of this mess?”

  “How do we get out of a financial hole when we’ve cut everything we can from our budget?”

  “Are we making a mistake by moving to another state if I lose my income and we only have my husband’s salary to rely on?”

  “How did you navigate the marriages of your children when it came to estate planning?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 13 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:


  “I’m paying $500 a month for my leased HVAC system. Should I pay it off before I pay off my house?”

  “How do I convince my husband not to pay his dad’s property taxes every year?”

  “We are looking to buy our first home, what are some extra costs and inspections that we should be looking out for?”

  “How can we pay off debt when our daughter’s monthly tuition takes everything?”

  “My new husband keeps his finances hidden from me and I’m afraid what I will find out if we combine our accounts...”

  “We just inherited $1.3 million. What’s the best way to liquidate some of these assets?”

  “I’m in $85,000 of debt and I’m drowning in payments. How do I get rid of this mess?”

  “How do we get out of a financial hole when we’ve cut everything we can from our budget?”

  “Are we making a mistake by moving to another state if I lose my income and we only have my husband’s salary to rely on?”

  “How did you navigate the marriages of your children when it came to estate planning?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

💻 ⁠Find out where you stand with your money and get a free plan. ⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠</a>

Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“I’m paying $500 a month for my leased HVAC system. Should I pay it off before I pay off my house?”</li>
  <li>“How do I convince my husband not to pay his dad’s property taxes every year?”</li>
  <li>“We are looking to buy our first home, what are some extra costs and inspections that we should be looking out for?”</li>
  <li>“How can we pay off debt when our daughter’s monthly tuition takes everything?”</li>
  <li>“My new husband keeps his finances hidden from me and I’m afraid what I will find out if we combine our accounts...”</li>
  <li>“We just inherited $1.3 million. What’s the best way to liquidate some of these assets?”</li>
  <li>“I’m in $85,000 of debt and I’m drowning in payments. How do I get rid of this mess?”</li>
  <li>“How do we get out of a financial hole when we’ve cut everything we can from our budget?”</li>
  <li>“Are we making a mistake by moving to another state if I lose my income and we only have my husband’s salary to rely on?”</li>
  <li>“How did you navigate the marriages of your children when it came to estate planning?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan. ⁠</a></p>
<p>🛡️ <a href="https://ter.li/eh6v8q">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
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  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6768</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ec8ea4e6-9a53-11f0-be6b-572d6c1ae402]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1855519284.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Financial Chaos Ends Today</title>
      <description>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we stop my fiancée's mother from stealing her student loans?"

  "Why should I pay cash for a car when I could invest the money and earn a better return?"

  "My ex-wife was ordered to pay half of our back taxes three years ago but she still hasn’t paid..."

  "How do I choose which debt to pay off first when they are all similar amounts?"

  "Should we pay ourselves a salary from our new business to pay off debt?"

  "How can I get my adult kids to contribute for household expenses?"

  "Should we downsize our home so that we can pay it off quickly?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement ⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 10 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we stop my fiancée's mother from stealing her student loans?"

  "Why should I pay cash for a car when I could invest the money and earn a better return?"

  "My ex-wife was ordered to pay half of our back taxes three years ago but she still hasn’t paid..."

  "How do I choose which debt to pay off first when they are all similar amounts?"

  "Should we pay ourselves a salary from our new business to pay off debt?"

  "How can I get my adult kids to contribute for household expenses?"

  "Should we downsize our home so that we can pay it off quickly?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement ⁠



Connect With Our Sponsors:


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  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠</a>

George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do we stop my fiancée's mother from stealing her student loans?"</li>
  <li>"Why should I pay cash for a car when I could invest the money and earn a better return?"</li>
  <li>"My ex-wife was ordered to pay half of our back taxes three years ago but she still hasn’t paid..."</li>
  <li>"How do I choose which debt to pay off first when they are all similar amounts?"</li>
  <li>"Should we pay ourselves a salary from our new business to pay off debt?"</li>
  <li>"How can I get my adult kids to contribute for household expenses?"</li>
  <li>"Should we downsize our home so that we can pay it off quickly?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈<a href="https://ter.li/yy5ov1">⁠Free Tools &amp; Resources to Help You With Investing and Retirement ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6847</itunes:duration>
      <guid isPermaLink="false"><![CDATA[eb693a54-9a53-11f0-be6b-ab9d519c1065]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7377626284.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Stay Broke Or Start Changing</title>
      <description>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "Should we accept money from my in-laws?" 

  "I can't pay my bills, should I file bankruptcy?"

  "When can we open "fun" accounts while working the Baby Steps?"

  "How do I build my credit score without debt?"

  "Is using a line of credit a good way to pay off a house faster?"

  "When in the Baby Steps do we start saving for adoption?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 09 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "Should we accept money from my in-laws?" 

  "I can't pay my bills, should I file bankruptcy?"

  "When can we open "fun" accounts while working the Baby Steps?"

  "How do I build my credit score without debt?"

  "Is using a line of credit a good way to pay off a house faster?"

  "When in the Baby Steps do we start saving for adoption?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠</a>

Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should we accept money from my in-laws?" </li>
  <li>"I can't pay my bills, should I file bankruptcy?"</li>
  <li>"When can we open "fun" accounts while working the Baby Steps?"</li>
  <li>"How do I build my credit score without debt?"</li>
  <li>"Is using a line of credit a good way to pay off a house faster?"</li>
  <li>"When in the Baby Steps do we start saving for adoption?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/5ai5qt">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
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  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6854</itunes:duration>
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    </item>
    <item>
      <title>A Written Plan Will Always Keep You On Track</title>
      <description>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:


  "I owe $8,000 in collections and $4,000 to the IRS, how should I tackle this?"

  "How much should I spend on a new truck?"

  "My husband and I don't agree on how to budget..."

  "Would it be better to refinance or recast our mortgage?"

  "My husband works two jobs. Can he leave one so that he can spend more time with the family?"

  "Is it a good idea to retire early?"

  "When is the right time to buy a house with my boyfriend?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

📈⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Wed, 08 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:


  "I owe $8,000 in collections and $4,000 to the IRS, how should I tackle this?"

  "How much should I spend on a new truck?"

  "My husband and I don't agree on how to budget..."

  "Would it be better to refinance or recast our mortgage?"

  "My husband works two jobs. Can he leave one so that he can spend more time with the family?"

  "Is it a good idea to retire early?"

  "When is the right time to buy a house with my boyfriend?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

📈⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠</a>

Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I owe $8,000 in collections and $4,000 to the IRS, how should I tackle this?"</li>
  <li>"How much should I spend on a new truck?"</li>
  <li>"My husband and I don't agree on how to budget..."</li>
  <li>"Would it be better to refinance or recast our mortgage?"</li>
  <li>"My husband works two jobs. Can he leave one so that he can spend more time with the family?"</li>
  <li>"Is it a good idea to retire early?"</li>
  <li>"When is the right time to buy a house with my boyfriend?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a></p>
<p>📈⁠⁠<a href="https://ter.li/5qko9m">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚<a href="https://ter.li/9xep9s">⁠ Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
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<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6860</itunes:duration>
      <guid isPermaLink="false"><![CDATA[eaf294ee-9a53-11f0-be6b-eb14a26193ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2723187541.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Blaming Your Past And Take Control Of Your Money </title>
      <description>🤔 ⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:


  "My girlfriend doesn't want to marry me until I pay off all my debt..."

  "My husband and sister disagree on how to split the proceeds from the sale of family property. How do we navigate this?"

  "Should we slow down on Baby Step 2 while the government is shutdown?"

  "How do I avoid paying taxes on an inherited IRA?"

  "My wife keeps telling me how to run my business. Am I wrong for wanting to run the business I built my way?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠

❓ ⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠

🛡️⁠⁠⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 07 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:


  "My girlfriend doesn't want to marry me until I pay off all my debt..."

  "My husband and sister disagree on how to split the proceeds from the sale of family property. How do we navigate this?"

  "Should we slow down on Baby Step 2 while the government is shutdown?"

  "How do I avoid paying taxes on an inherited IRA?"

  "My wife keeps telling me how to run my business. Am I wrong for wanting to run the business I built my way?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠

❓ ⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠

🛡️⁠⁠⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠</a>

Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"My girlfriend doesn't want to marry me until I pay off all my debt..."</li>
  <li>"My husband and sister disagree on how to split the proceeds from the sale of family property. How do we navigate this?"</li>
  <li>"Should we slow down on Baby Step 2 while the government is shutdown?"</li>
  <li>"How do I avoid paying taxes on an inherited IRA?"</li>
  <li>"My wife keeps telling me how to run my business. Am I wrong for wanting to run the business I built my way?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/ypxp2q">⁠⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/l60db9">⁠⁠⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈<a href="https://ter.li/yy5ov1">⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6717</itunes:duration>
      <guid isPermaLink="false"><![CDATA[eaba0f0c-9a53-11f0-be6b-3fe342c39e9e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1266440368.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You'll Never Prosper When You're Tied Down With Payments</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm $15,000 in debt with nothing in savings. I lost my job today, where do I go from here?"

  "Should we buy a house that's going to put us over budget by $1,000 every month?"

  "I just graduated and got my first job, how do I start saving and investing?"

  "How do I help my dad with his finances? He has $175,000 missing from his accounts"

  "We paid off our mortgage and my wife wants to upgrade our house. Am I being stingy for not wanting another mortgage?"

  "Why shouldn't we keep using credit cards if we are able to consistently take advantage of the points and cash back?"

  "We have $104,000 of debt, should we sell our car? Should my wife go back to work to speed up Baby Step 2?". 


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

❓ ⁠⁠Find out where you stand with your money and get a free plan.⁠⁠

🛡️⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm $15,000 in debt with nothing in savings. I lost my job today, where do I go from here?"

  "Should we buy a house that's going to put us over budget by $1,000 every month?"

  "I just graduated and got my first job, how do I start saving and investing?"

  "How do I help my dad with his finances? He has $175,000 missing from his accounts"

  "We paid off our mortgage and my wife wants to upgrade our house. Am I being stingy for not wanting another mortgage?"

  "Why shouldn't we keep using credit cards if we are able to consistently take advantage of the points and cash back?"

  "We have $104,000 of debt, should we sell our car? Should my wife go back to work to speed up Baby Step 2?". 


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

❓ ⁠⁠Find out where you stand with your money and get a free plan.⁠⁠

🛡️⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I'm $15,000 in debt with nothing in savings. I lost my job today, where do I go from here?"</li>
  <li>"Should we buy a house that's going to put us over budget by $1,000 every month?"</li>
  <li>"I just graduated and got my first job, how do I start saving and investing?"</li>
  <li>"How do I help my dad with his finances? He has $175,000 missing from his accounts"</li>
  <li>"We paid off our mortgage and my wife wants to upgrade our house. Am I being stingy for not wanting another mortgage?"</li>
  <li>"Why shouldn't we keep using credit cards if we are able to consistently take advantage of the points and cash back?"</li>
  <li>"We have $104,000 of debt, should we sell our car? Should my wife go back to work to speed up Baby Step 2?". </li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>❓ <a href="https://ter.li/ypxp2q">⁠⁠Find out where you stand with your money and get a free plan.⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/l60db9">⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6737</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ea3b6e54-9a53-11f0-be6b-8b731fe34125]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8748074769.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Want To Do Great Things You Need To Do Hard Things First</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  “How do we get out of the financial mess we're in?”

  “How do I get rid of my car debt?”

  “How do I stay motivated while paying off $184k of debt?”

  “Should I keep my credit cards to maintain my credit score?”

  “How do I handle a divorce settlement while in the baby steps?”

  “I’m drowning in debt and don’t know what to do?”

  “Should my daughter ask for reimbursement for job interview travel?”

  “Can we build our savings instead of paying off debt?”

  “Should I use my savings to pay off 0% interest? “

  “The motor blew up in my truck and it’s going to cost $15,000 to fix. What should I do?”

  “We can’t make any progress on our debt...”

  “Where should I be investing?”

  “I’m struggling to give $900 to a friend...”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

❓ ⁠Find out where you stand with your money and get a free plan.⁠

🛡️⁠Get trusted insurance coverage that fits your budget ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 03 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ken Coleman and Jade Warshaw answer your questions and discuss:


  “How do we get out of the financial mess we're in?”

  “How do I get rid of my car debt?”

  “How do I stay motivated while paying off $184k of debt?”

  “Should I keep my credit cards to maintain my credit score?”

  “How do I handle a divorce settlement while in the baby steps?”

  “I’m drowning in debt and don’t know what to do?”

  “Should my daughter ask for reimbursement for job interview travel?”

  “Can we build our savings instead of paying off debt?”

  “Should I use my savings to pay off 0% interest? “

  “The motor blew up in my truck and it’s going to cost $15,000 to fix. What should I do?”

  “We can’t make any progress on our debt...”

  “Where should I be investing?”

  “I’m struggling to give $900 to a friend...”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

❓ ⁠Find out where you stand with your money and get a free plan.⁠

🛡️⁠Get trusted insurance coverage that fits your budget ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“How do we get out of the financial mess we're in?”</li>
  <li>“How do I get rid of my car debt?”</li>
  <li>“How do I stay motivated while paying off $184k of debt?”</li>
  <li>“Should I keep my credit cards to maintain my credit score?”</li>
  <li>“How do I handle a divorce settlement while in the baby steps?”</li>
  <li>“I’m drowning in debt and don’t know what to do?”</li>
  <li>“Should my daughter ask for reimbursement for job interview travel?”</li>
  <li>“Can we build our savings instead of paying off debt?”</li>
  <li>“Should I use my savings to pay off 0% interest? “</li>
  <li>“The motor blew up in my truck and it’s going to cost $15,000 to fix. What should I do?”</li>
  <li>“We can’t make any progress on our debt...”</li>
  <li>“Where should I be investing?”</li>
  <li>“I’m struggling to give $900 to a friend...”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan.⁠</a></p>
<p>🛡️<a href="https://ter.li/l60db9">⁠Get trusted insurance coverage that fits your budget ⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6800</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ba461b80-8389-11f0-8a21-03b892099910]]></guid>
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    <item>
      <title>Make Sacrifices Today To Achieve Your Financial Goals </title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "As a single mom, what is the best way to get rid of a day care debt that is past due?"

  "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"

  "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"

  "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"

  "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"

  "How do you pay off your credit cards when the minimums are half my take-home pay?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠

🏠⁠ Get organized and prepared to buy or sell a home. ⁠

🛡️⁠Get trusted insurance coverage that fits your budget ⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


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  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 02 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "As a single mom, what is the best way to get rid of a day care debt that is past due?"

  "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"

  "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"

  "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"

  "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"

  "How do you pay off your credit cards when the minimums are half my take-home pay?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠

🏠⁠ Get organized and prepared to buy or sell a home. ⁠

🛡️⁠Get trusted insurance coverage that fits your budget ⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"As a single mom, what is the best way to get rid of a day care debt that is past due?"</li>
  <li>"My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"</li>
  <li>"We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"</li>
  <li>"I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"</li>
  <li>"As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"</li>
  <li>"How do you pay off your credit cards when the minimums are half my take-home pay?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a><strong></strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠</a></p>
<p>🏠<a href="https://ter.li/cghel7">⁠ Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>🛡️<a href="https://ter.li/l60db9">⁠Get trusted insurance coverage that fits your budget ⁠</a></p>
<p>📚 <a href="https://ter.li/9xep9s">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6751</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ba191bda-8389-11f0-8a21-2fbc9be5920b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7024210345.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Afford To Be Careless With Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I keep cash at my house?"

  "Should we live close to our parents for a low monthly rent or move further away?"

  "Should my partner take out a HELOC on our house to pay me his part of our down payment?"

  "Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤕 ⁠Get trusted insurance coverage that fits your budget.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❓ ⁠Find out where you stand with your money and get a free plan. ⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 01 Oct 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I keep cash at my house?"

  "Should we live close to our parents for a low monthly rent or move further away?"

  "Should my partner take out a HELOC on our house to pay me his part of our down payment?"

  "Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤕 ⁠Get trusted insurance coverage that fits your budget.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❓ ⁠Find out where you stand with your money and get a free plan. ⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I keep cash at my house?"</li>
  <li>"Should we live close to our parents for a low monthly rent or move further away?"</li>
  <li>"Should my partner take out a HELOC on our house to pay me his part of our down payment?"</li>
  <li>"Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?"</li>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a><strong></strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🤕 <a href="https://ter.li/eh6v8q">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/ypxp2q">⁠Find out where you stand with your money and get a free plan. ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠ ⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
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      <itunes:duration>6784</itunes:duration>
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    </item>
    <item>
      <title>You Have To Clean Up Your Financial Mess Before Building Wealth</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My husband is planning to give our land away..."

  "What should I do with a $60k bonus?"

  "Should we downsize our house to prepare for a surprise baby?"

  "My wife passed away last month, how do I invest now that I've lost her income?"

  "I just left an abusive marriage, what should I do for housing?"

  "Is my wife a princess or do I just need an attitude change?"

  "Is it wrong to keep having kids while getting government assistance?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

☮️ ⁠⁠⁠Lead a Financial Peace University class.⁠⁠⁠

🧠 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 30 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "My husband is planning to give our land away..."

  "What should I do with a $60k bonus?"

  "Should we downsize our house to prepare for a surprise baby?"

  "My wife passed away last month, how do I invest now that I've lost her income?"

  "I just left an abusive marriage, what should I do for housing?"

  "Is my wife a princess or do I just need an attitude change?"

  "Is it wrong to keep having kids while getting government assistance?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

☮️ ⁠⁠⁠Lead a Financial Peace University class.⁠⁠⁠

🧠 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My husband is planning to give our land away..."</li>
  <li>"What should I do with a $60k bonus?"</li>
  <li>"Should we downsize our house to prepare for a surprise baby?"</li>
  <li>"My wife passed away last month, how do I invest now that I've lost her income?"</li>
  <li>"I just left an abusive marriage, what should I do for housing?"</li>
  <li>"Is my wife a princess or do I just need an attitude change?"</li>
  <li>"Is it wrong to keep having kids while getting government assistance?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a><strong></strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dxw4ib">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠⁠⁠Lead a Financial Peace University class.⁠⁠⁠</a></p>
<p>🧠 <a href="https://ter.li/d5bai9">⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/uy9kge">⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠ ⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠<strong>Casper Sleep</strong>⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6728</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b700c9c0-8389-11f0-8a21-6340ef4997c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7619882204.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Not Too Late to Get Control of Your Money</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  “I work for my parents and I sometimes don’t get paid. How do I talk to them about this?”

  “My older brother is financially taking advantage of our parents. How do I approach my parents about this?”

  “Is our land calculated into our net worth even if we have no plans on ever selling it?”

  “Can I pause retirement investing to save for a house downpayment?”

  “I’m 50 and just started investing. What are my options to save for retirement?”

  “Can we financially afford for my wife to be a stay-at-home mom?”

  “My wife and I are underwater on our cars, how do we get out of this?”

  “How can we get out of debt because we’re underwater financially?”

  “How do I pivot from being gazelle intense after paying off debt?”

  “Should a pension crisis prompt me to leave my job?”

  “How do my husband and I agree about using a lump sum of money that we’re about to receive?”

  “Should we buy a house in cash or get a mortgage?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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☮️ ⁠⁠Lead a Financial Peace University class.⁠⁠

🧠 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠

🧮 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠



Connect With Our Sponsors:


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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 29 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  “I work for my parents and I sometimes don’t get paid. How do I talk to them about this?”

  “My older brother is financially taking advantage of our parents. How do I approach my parents about this?”

  “Is our land calculated into our net worth even if we have no plans on ever selling it?”

  “Can I pause retirement investing to save for a house downpayment?”

  “I’m 50 and just started investing. What are my options to save for retirement?”

  “Can we financially afford for my wife to be a stay-at-home mom?”

  “My wife and I are underwater on our cars, how do we get out of this?”

  “How can we get out of debt because we’re underwater financially?”

  “How do I pivot from being gazelle intense after paying off debt?”

  “Should a pension crisis prompt me to leave my job?”

  “How do my husband and I agree about using a lump sum of money that we’re about to receive?”

  “Should we buy a house in cash or get a mortgage?”




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠⁠Lead a Financial Peace University class.⁠⁠

🧠 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠

🧮 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more.

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>“I work for my parents and I sometimes don’t get paid. How do I talk to them about this?”</li>
  <li>“My older brother is financially taking advantage of our parents. How do I approach my parents about this?”</li>
  <li>“Is our land calculated into our net worth even if we have no plans on ever selling it?”</li>
  <li>“Can I pause retirement investing to save for a house downpayment?”</li>
  <li>“I’m 50 and just started investing. What are my options to save for retirement?”</li>
  <li>“Can we financially afford for my wife to be a stay-at-home mom?”</li>
  <li>“My wife and I are underwater on our cars, how do we get out of this?”</li>
  <li>“How can we get out of debt because we’re underwater financially?”</li>
  <li>“How do I pivot from being gazelle intense after paying off debt?”</li>
  <li>“Should a pension crisis prompt me to leave my job?”</li>
  <li>“How do my husband and I agree about using a lump sum of money that we’re about to receive?”</li>
  <li>“Should we buy a house in cash or get a mortgage?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠</a><strong></strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠⁠Lead a Financial Peace University class.⁠⁠</a></p>
<p>🧠 <a href="https://ter.li/d5bai9">⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠ ⁠</a><a href="https://www.casper.com/Ramsey">⁠<strong>Casper Sleep</strong>⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6742</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b6d3b386-8389-11f0-8a21-ffb00171ade1]]></guid>
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    </item>
    <item>
      <title>Small Steps Lead to Big Change</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  “Where should I keep my investments?”

  “My co-worker is a level below me but is being paid more. How do I ask for fair pay?”

  “Should I use my credit card to build my credit again?”

  “Is paying for a van that I live in the same as paying a mortgage?”

  “My husband is using our emergency fund as a bank...”

  “Should I turn my HELOC into a mortgage?”

  “How can I rent an apartment when I’m in bad shape financially?”

  “I’m not qualified for the job I have. Should I quit and become a nanny?”

  “Can you help us find an adoption loan that won’t drown us in debt?”

  “Was it right for my wife to stay at home with our first child?”

  “Is it wise for me to buy a house?”

  “I’ve been paying off debt since February but I feel like I’ve hit a wall...”

  “I’m 71 – everyone is telling me to not pay off my house. What should I do?”

  “My wife has car fever and wants to go into debt"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 26 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  “Where should I keep my investments?”

  “My co-worker is a level below me but is being paid more. How do I ask for fair pay?”

  “Should I use my credit card to build my credit again?”

  “Is paying for a van that I live in the same as paying a mortgage?”

  “My husband is using our emergency fund as a bank...”

  “Should I turn my HELOC into a mortgage?”

  “How can I rent an apartment when I’m in bad shape financially?”

  “I’m not qualified for the job I have. Should I quit and become a nanny?”

  “Can you help us find an adoption loan that won’t drown us in debt?”

  “Was it right for my wife to stay at home with our first child?”

  “Is it wise for me to buy a house?”

  “I’ve been paying off debt since February but I feel like I’ve hit a wall...”

  “I’m 71 – everyone is telling me to not pay off my house. What should I do?”

  “My wife has car fever and wants to go into debt"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠



Connect With Our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>“Where should I keep my investments?”</li>
  <li>“My co-worker is a level below me but is being paid more. How do I ask for fair pay?”</li>
  <li>“Should I use my credit card to build my credit again?”</li>
  <li>“Is paying for a van that I live in the same as paying a mortgage?”</li>
  <li>“My husband is using our emergency fund as a bank...”</li>
  <li>“Should I turn my HELOC into a mortgage?”</li>
  <li>“How can I rent an apartment when I’m in bad shape financially?”</li>
  <li>“I’m not qualified for the job I have. Should I quit and become a nanny?”</li>
  <li>“Can you help us find an adoption loan that won’t drown us in debt?”</li>
  <li>“Was it right for my wife to stay at home with our first child?”</li>
  <li>“Is it wise for me to buy a house?”</li>
  <li>“I’ve been paying off debt since February but I feel like I’ve hit a wall...”</li>
  <li>“I’m 71 – everyone is telling me to not pay off my house. What should I do?”</li>
  <li>“My wife has car fever and wants to go into debt"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6817</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b9bf3598-8389-11f0-8a21-fbc0f2a019b9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5210044140.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Trying To Borrow Your Way Into Freedom</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Does it make sense to have a business credit card to get cash back on big purchases?"

  "We bought too much house, how do we balance paying this down vs. investing?"

  "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"

  "How do my fiancé and I combine finances when I have way more saved than he does?"

  "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"

  "Why don't children have an obligation to care for parents financially?"

  "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"

  "Should I pull from retirement to purchase a second property?"

  “Can I afford to buy a Harley Davidson?”

  “What should we do about our daughter who refuses to pay parent PLUS loans?”

  "I made a dumb decision with my house. Should I file bankruptcy?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 25 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Does it make sense to have a business credit card to get cash back on big purchases?"

  "We bought too much house, how do we balance paying this down vs. investing?"

  "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"

  "How do my fiancé and I combine finances when I have way more saved than he does?"

  "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"

  "Why don't children have an obligation to care for parents financially?"

  "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"

  "Should I pull from retirement to purchase a second property?"

  “Can I afford to buy a Harley Davidson?”

  “What should we do about our daughter who refuses to pay parent PLUS loans?”

  "I made a dumb decision with my house. Should I file bankruptcy?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠



Connect With Our Sponsors:


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  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Does it make sense to have a business credit card to get cash back on big purchases?"</li>
  <li>"We bought too much house, how do we balance paying this down vs. investing?"</li>
  <li>"I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"</li>
  <li>"How do my fiancé and I combine finances when I have way more saved than he does?"</li>
  <li>"We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"</li>
  <li>"Why don't children have an obligation to care for parents financially?"</li>
  <li>"My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"</li>
  <li>"Should I pull from retirement to purchase a second property?"</li>
  <li>“Can I afford to buy a Harley Davidson?”</li>
  <li>“What should we do about our daughter who refuses to pay parent PLUS loans?”</li>
  <li>"I made a dumb decision with my house. Should I file bankruptcy?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class.⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6766</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b8895924-8389-11f0-8a21-8b85f735160b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8940811093.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Quit When the Journey Gets Hard</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How can we stop my wife’s parents from asking their 10,12, and 17 year old daughters for money?”

  “Should I leave my marriage because of my husband’s spending?”

  “How do I get out of a house purchase that my employer forced me into but I can’t afford?”

  “Would buying land next door be a good investment?”

  “Should I continue to throw everything at my debt or save for potential emergencies?”

  “Should I take out a $10k loan to fix up my mom’s kitchen”

  “How do I tell my significant other, he needs a better job?”

  “Can I afford to open my own business?”

  “Do we make enough for me to be a stay-at-home mom?”

  “Should I stop contributing to my retirement while paying off debt?”

  “Am I legally obligated to follow my dad’s wishes from his will?”

  “Should I cash out home equity to invest in an IUL policy?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 24 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Dr. John Delony answer your questions and discuss:


  “How can we stop my wife’s parents from asking their 10,12, and 17 year old daughters for money?”

  “Should I leave my marriage because of my husband’s spending?”

  “How do I get out of a house purchase that my employer forced me into but I can’t afford?”

  “Would buying land next door be a good investment?”

  “Should I continue to throw everything at my debt or save for potential emergencies?”

  “Should I take out a $10k loan to fix up my mom’s kitchen”

  “How do I tell my significant other, he needs a better job?”

  “Can I afford to open my own business?”

  “Do we make enough for me to be a stay-at-home mom?”

  “Should I stop contributing to my retirement while paying off debt?”

  “Am I legally obligated to follow my dad’s wishes from his will?”

  “Should I cash out home equity to invest in an IUL policy?”


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠



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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How can we stop my wife’s parents from asking their 10,12, and 17 year old daughters for money?”</li>
  <li>“Should I leave my marriage because of my husband’s spending?”</li>
  <li>“How do I get out of a house purchase that my employer forced me into but I can’t afford?”</li>
  <li>“Would buying land next door be a good investment?”</li>
  <li>“Should I continue to throw everything at my debt or save for potential emergencies?”</li>
  <li>“Should I take out a $10k loan to fix up my mom’s kitchen”</li>
  <li>“How do I tell my significant other, he needs a better job?”</li>
  <li>“Can I afford to open my own business?”</li>
  <li>“Do we make enough for me to be a stay-at-home mom?”</li>
  <li>“Should I stop contributing to my retirement while paying off debt?”</li>
  <li>“Am I legally obligated to follow my dad’s wishes from his will?”</li>
  <li>“Should I cash out home equity to invest in an IUL policy?”</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/uy9kge">⁠Free Tools &amp; Resources to Help You With Investing and Retirement⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
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  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6799</itunes:duration>
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    </item>
    <item>
      <title>Are You Investing in Tomorrow or Robbing It?</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I convince my wife to stop using credit cards when I'm on Baby Step 1?"

  "What should we do with the proceeds from the sale of our house?"

  "My husband was recently fired, how do we make our finances work while he's working small jobs?"

  "Should we downsize our house so my wife can stay at home?"

  "We have the money but struggle to justify going on vacation"

  "We gifted our son over $100,000 to buy a house and now he wants to pay us back. Are there any tax implications for this?"

  "What should I do with an inherited annuity?"

  "How do I create a family budget to keep my kids from spending money?"

  " Should I dive back into a career now that my husband has beat cancer?"

  "I'm 62 with only $100,000 saved for retirement. Should I focus on paying off my house or saving more for retirement?"

  "Should we charge our 19 year old rent?"

  "What should we do with the proceeds from the sale of our business?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

💲⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 23 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I convince my wife to stop using credit cards when I'm on Baby Step 1?"

  "What should we do with the proceeds from the sale of our house?"

  "My husband was recently fired, how do we make our finances work while he's working small jobs?"

  "Should we downsize our house so my wife can stay at home?"

  "We have the money but struggle to justify going on vacation"

  "We gifted our son over $100,000 to buy a house and now he wants to pay us back. Are there any tax implications for this?"

  "What should I do with an inherited annuity?"

  "How do I create a family budget to keep my kids from spending money?"

  " Should I dive back into a career now that my husband has beat cancer?"

  "I'm 62 with only $100,000 saved for retirement. Should I focus on paying off my house or saving more for retirement?"

  "Should we charge our 19 year old rent?"

  "What should we do with the proceeds from the sale of our business?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

💲⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


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  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"How do I convince my wife to stop using credit cards when I'm on Baby Step 1?"</li>
  <li>"What should we do with the proceeds from the sale of our house?"</li>
  <li>"My husband was recently fired, how do we make our finances work while he's working small jobs?"</li>
  <li>"Should we downsize our house so my wife can stay at home?"</li>
  <li>"We have the money but struggle to justify going on vacation"</li>
  <li>"We gifted our son over $100,000 to buy a house and now he wants to pay us back. Are there any tax implications for this?"</li>
  <li>"What should I do with an inherited annuity?"</li>
  <li>"How do I create a family budget to keep my kids from spending money?"</li>
  <li>" Should I dive back into a career now that my husband has beat cancer?"</li>
  <li>"I'm 62 with only $100,000 saved for retirement. Should I focus on paying off my house or saving more for retirement?"</li>
  <li>"Should we charge our 19 year old rent?"</li>
  <li>"What should we do with the proceeds from the sale of our business?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p><strong>💲</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 ⁠⁠⁠⁠<a href="https://ter.li/d5bai9">⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6692</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b72c6756-8389-11f0-8a21-b30c0509d17f]]></guid>
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    </item>
    <item>
      <title>Yesterday’s Choices Don’t Define You — Change Starts Today</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I leave my boyfriend who keeps postponing our wedding?"

  "Should we take equity out of our cabin to pay off our primary home?"

  "I'm homeless and in debt, should I file for bankruptcy?"

  "I'm 56, is it too late for me to start investing?"

  "Why not pay off debt while investing?"

  "How much is too much to spend on a wedding?"

  "I'm 72 with only $40,000 saved. What should I do?"

  "How do we balance paying off debt and saving for an upcoming medical expense?"

  "We're getting a settlement from an accident that killed my sister. How do I use this cash well?"

  "How do I help my mom without taking on debt?"

  "I'm paying $2,800 a month in car payments. Should I have one of the cars voluntarily repossessed?"

  "Should I pay off all my debt or buy rental properties before going into retirement?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 22 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠


Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I leave my boyfriend who keeps postponing our wedding?"

  "Should we take equity out of our cabin to pay off our primary home?"

  "I'm homeless and in debt, should I file for bankruptcy?"

  "I'm 56, is it too late for me to start investing?"

  "Why not pay off debt while investing?"

  "How much is too much to spend on a wedding?"

  "I'm 72 with only $40,000 saved. What should I do?"

  "How do we balance paying off debt and saving for an upcoming medical expense?"

  "We're getting a settlement from an accident that killed my sister. How do I use this cash well?"

  "How do I help my mom without taking on debt?"

  "I'm paying $2,800 a month in car payments. Should I have one of the cars voluntarily repossessed?"

  "Should I pay off all my debt or buy rental properties before going into retirement?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should I leave my boyfriend who keeps postponing our wedding?"</li>
  <li>"Should we take equity out of our cabin to pay off our primary home?"</li>
  <li>"I'm homeless and in debt, should I file for bankruptcy?"</li>
  <li>"I'm 56, is it too late for me to start investing?"</li>
  <li>"Why not pay off debt while investing?"</li>
  <li>"How much is too much to spend on a wedding?"</li>
  <li>"I'm 72 with only $40,000 saved. What should I do?"</li>
  <li>"How do we balance paying off debt and saving for an upcoming medical expense?"</li>
  <li>"We're getting a settlement from an accident that killed my sister. How do I use this cash well?"</li>
  <li>"How do I help my mom without taking on debt?"</li>
  <li>"I'm paying $2,800 a month in car payments. Should I have one of the cars voluntarily repossessed?"</li>
  <li>"Should I pay off all my debt or buy rental properties before going into retirement?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠Get episodes early in the free Ramsey Network app! ⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🧮 <a href="https://ter.li/5iegog">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/l60db9">⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6688</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b6a48c6e-8389-11f0-8a21-431382812414]]></guid>
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    </item>
    <item>
      <title>Hope Always Lives on the Other Side of Hurt</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Ken Coleman and George Kamel answer your questions and discuss:


  "I owe my brother money after getting scammed from an investment course. Should I file bankruptcy?"

  "I'm 53 years-old and have nothing saved for retirement. Should we sell our house and start over?"

  "I'm 66 years-old, should I pull from my retirement savings to pay off debt?"

  "Can I pay to have my dog cremated even though I am in debt?"

  "My husband is wanting to give his daughter part of his 401(k) instead of giving me 100% as the beneficiary"

  "Should I pull back my hours a bit and give myself a break?"

  "How do I stay motivated when I feel restricted by living on a budget?"

  "Should I pile up cash if I'm facing job insecurity?"

  "Should I leave a job after less than a year?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

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  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 19 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Ken Coleman and George Kamel answer your questions and discuss:


  "I owe my brother money after getting scammed from an investment course. Should I file bankruptcy?"

  "I'm 53 years-old and have nothing saved for retirement. Should we sell our house and start over?"

  "I'm 66 years-old, should I pull from my retirement savings to pay off debt?"

  "Can I pay to have my dog cremated even though I am in debt?"

  "My husband is wanting to give his daughter part of his 401(k) instead of giving me 100% as the beneficiary"

  "Should I pull back my hours a bit and give myself a break?"

  "How do I stay motivated when I feel restricted by living on a budget?"

  "Should I pile up cash if I'm facing job insecurity?"

  "Should I leave a job after less than a year?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠</a></p>
<p>
Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I owe my brother money after getting scammed from an investment course. Should I file bankruptcy?"</li>
  <li>"I'm 53 years-old and have nothing saved for retirement. Should we sell our house and start over?"</li>
  <li>"I'm 66 years-old, should I pull from my retirement savings to pay off debt?"</li>
  <li>"Can I pay to have my dog cremated even though I am in debt?"</li>
  <li>"My husband is wanting to give his daughter part of his 401(k) instead of giving me 100% as the beneficiary"</li>
  <li>"Should I pull back my hours a bit and give myself a break?"</li>
  <li>"How do I stay motivated when I feel restricted by living on a budget?"</li>
  <li>"Should I pile up cash if I'm facing job insecurity?"</li>
  <li>"Should I leave a job after less than a year?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/l60db9">⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6798</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b992f24e-8389-11f0-8a21-5fe6c563a3c2]]></guid>
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    </item>
    <item>
      <title>Do the Right Thing Even When It’s Hard</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "Can we recover money that our brother stole from our father and his estate?"

  "When is the right time to ask someone I'm dating how much debt they have?"

  "We inherited my grandparents' house on our land. Should we just tear it down instead of remodeling it?"

  "I'm buried in over $400,000 of debt and feel like I can't live"

  "I'm about to get a divorce, should I pull from my 401(k) to buy my husband out of our house?"

  "Should I keep inheritance money in my name only or both me and my husband?"

  "Are there strategies to overcome anxiety from investing?"

  "How do we get out of my car loan that has an 18% interest rate?"

  "How do I pay off my debts as a single parent with no help?"

  "We're about to purchase a home with my parents. Is it okay if our name is not on the deed for tax purposes?"

  "How do I get my aging mom to be responsible for her finances?"

  "I'm getting $850,000 in cash from an inheritance. How do I invest this well?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


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  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 18 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Rachel Cruze and Dr. John Delony answer your questions and discuss:


  "Can we recover money that our brother stole from our father and his estate?"

  "When is the right time to ask someone I'm dating how much debt they have?"

  "We inherited my grandparents' house on our land. Should we just tear it down instead of remodeling it?"

  "I'm buried in over $400,000 of debt and feel like I can't live"

  "I'm about to get a divorce, should I pull from my 401(k) to buy my husband out of our house?"

  "Should I keep inheritance money in my name only or both me and my husband?"

  "Are there strategies to overcome anxiety from investing?"

  "How do we get out of my car loan that has an 18% interest rate?"

  "How do I pay off my debts as a single parent with no help?"

  "We're about to purchase a home with my parents. Is it okay if our name is not on the deed for tax purposes?"

  "How do I get my aging mom to be responsible for her finances?"

  "I'm getting $850,000 in cash from an inheritance. How do I invest this well?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠</a></p>
<p>
Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Can we recover money that our brother stole from our father and his estate?"</li>
  <li>"When is the right time to ask someone I'm dating how much debt they have?"</li>
  <li>"We inherited my grandparents' house on our land. Should we just tear it down instead of remodeling it?"</li>
  <li>"I'm buried in over $400,000 of debt and feel like I can't live"</li>
  <li>"I'm about to get a divorce, should I pull from my 401(k) to buy my husband out of our house?"</li>
  <li>"Should I keep inheritance money in my name only or both me and my husband?"</li>
  <li>"Are there strategies to overcome anxiety from investing?"</li>
  <li>"How do we get out of my car loan that has an 18% interest rate?"</li>
  <li>"How do I pay off my debts as a single parent with no help?"</li>
  <li>"We're about to purchase a home with my parents. Is it okay if our name is not on the deed for tax purposes?"</li>
  <li>"How do I get my aging mom to be responsible for her finances?"</li>
  <li>"I'm getting $850,000 in cash from an inheritance. How do I invest this well?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/l60db9">⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6811</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b8b498d2-8389-11f0-8a21-db823b99d1be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2779054782.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money Chaos Doesn’t Have to Be Forever</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I get out of investor debt from business men I don't want to cross?"

  "I'm overwhelmed with my debt. How do I get out of this?"

  "Should I pay off my estranged son's student loans?"

  "How do I separate business expenses from my personal expenses?"

  "I'm getting a divorce, how do I best use the proceeds from the sale of my home?"

  "Is it okay to refinance my house in order to fund a $150,000 home addition?"

  "I recently lost my job, should I pull from my IRA to cover debt and wedding costs?"

  "Am I a wimp for wanting to quit my job?"

  "Do I have to claim a gift from my former boss on my taxes?"

  "What's the best way to encourage my husband to be independent of his parents?"

  "Can my 18 year old son get out of a car loan he co-signed for his ex girlfriend?"

  "I'm a single parent of 3 kids and feel like I can never get ahead"

  "Should I cash out my whole life insurance to buy term life?"

  "Can I use a HELOC for a second home?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

💲 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠



Connect With Our Sponsors:


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  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 17 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I get out of investor debt from business men I don't want to cross?"

  "I'm overwhelmed with my debt. How do I get out of this?"

  "Should I pay off my estranged son's student loans?"

  "How do I separate business expenses from my personal expenses?"

  "I'm getting a divorce, how do I best use the proceeds from the sale of my home?"

  "Is it okay to refinance my house in order to fund a $150,000 home addition?"

  "I recently lost my job, should I pull from my IRA to cover debt and wedding costs?"

  "Am I a wimp for wanting to quit my job?"

  "Do I have to claim a gift from my former boss on my taxes?"

  "What's the best way to encourage my husband to be independent of his parents?"

  "Can my 18 year old son get out of a car loan he co-signed for his ex girlfriend?"

  "I'm a single parent of 3 kids and feel like I can never get ahead"

  "Should I cash out my whole life insurance to buy term life?"

  "Can I use a HELOC for a second home?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

💲 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"How do I get out of investor debt from business men I don't want to cross?"</li>
  <li>"I'm overwhelmed with my debt. How do I get out of this?"</li>
  <li>"Should I pay off my estranged son's student loans?"</li>
  <li>"How do I separate business expenses from my personal expenses?"</li>
  <li>"I'm getting a divorce, how do I best use the proceeds from the sale of my home?"</li>
  <li>"Is it okay to refinance my house in order to fund a $150,000 home addition?"</li>
  <li>"I recently lost my job, should I pull from my IRA to cover debt and wedding costs?"</li>
  <li>"Am I a wimp for wanting to quit my job?"</li>
  <li>"Do I have to claim a gift from my former boss on my taxes?"</li>
  <li>"What's the best way to encourage my husband to be independent of his parents?"</li>
  <li>"Can my 18 year old son get out of a car loan he co-signed for his ex girlfriend?"</li>
  <li>"I'm a single parent of 3 kids and feel like I can never get ahead"</li>
  <li>"Should I cash out my whole life insurance to buy term life?"</li>
  <li>"Can I use a HELOC for a second home?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💲 <a href="https://ter.li/d5bai9">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/l60db9">⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6699</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b831f530-8389-11f0-8a21-dfd1025316af]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5163043168.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Debt Is the Enemy of Your Freedom</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "My husband and I disagree on how to pay off our car"

  "How do I trust that my boyfriend will stay out of debt once we’re married?"

  "How do I wisely use a $350k settlement?"

  "My mother-in-law was scammed out of $150k"

  "Should I pay my mom's Parent PLUS loan now that my mom is filing for bankruptcy?"

  "How do I get out of over $825K in real estate debt?"

  "Should we sell our house that is financially crushing us?"

  "How do I pay off credit card debt from a stock investing training?"

  "How can I get my husband to work with me as a team on our debt?"

  "I borrowed money from a family member then I found out he had stolen it. What should I do?"

  "My girlfriend isn't as motivated as I am. Should I stay in the relationship?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 16 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠


Dave Ramsey and George Kamel answer your questions and discuss:


  "My husband and I disagree on how to pay off our car"

  "How do I trust that my boyfriend will stay out of debt once we’re married?"

  "How do I wisely use a $350k settlement?"

  "My mother-in-law was scammed out of $150k"

  "Should I pay my mom's Parent PLUS loan now that my mom is filing for bankruptcy?"

  "How do I get out of over $825K in real estate debt?"

  "Should we sell our house that is financially crushing us?"

  "How do I pay off credit card debt from a stock investing training?"

  "How can I get my husband to work with me as a team on our debt?"

  "I borrowed money from a family member then I found out he had stolen it. What should I do?"

  "My girlfriend isn't as motivated as I am. Should I stay in the relationship?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"My husband and I disagree on how to pay off our car"</li>
  <li>"How do I trust that my boyfriend will stay out of debt once we’re married?"</li>
  <li>"How do I wisely use a $350k settlement?"</li>
  <li>"My mother-in-law was scammed out of $150k"</li>
  <li>"Should I pay my mom's Parent PLUS loan now that my mom is filing for bankruptcy?"</li>
  <li>"How do I get out of over $825K in real estate debt?"</li>
  <li>"Should we sell our house that is financially crushing us?"</li>
  <li>"How do I pay off credit card debt from a stock investing training?"</li>
  <li>"How can I get my husband to work with me as a team on our debt?"</li>
  <li>"I borrowed money from a family member then I found out he had stolen it. What should I do?"</li>
  <li>"My girlfriend isn't as motivated as I am. Should I stay in the relationship?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/l60db9">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
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  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6725</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b7586cca-8389-11f0-8a21-1751505713cb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9464828861.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Money Drama Keep You Broke</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I am getting calls regarding debt on my deceased father. How do I handle this?"

  "Can we get some advice on managing finances with a large family and disagreements on spending?"

  "How do my fiancé and I plan to combine our finances when there is a prenup in place?"

  "We would like to retire early. How should we adjust our investments in order to make this happen?"

  "How do I get out of $1.8M in debt when I'm stretched thin in spite of a high net worth?"

  "How do I keep my addict brother from blowing his portion of our inheritance?"

  "Am I wrong for not wanting to pay for repairs to my mother's home?"

  "My wife and I disagree on what to do with a whole life policy"

  "My wife and I disagree on leveraging debt to make money. Who is right?"

  "I am $10,000 underwater on my leased car. How should I handle this?"

  "I am debt-free. When can I start buying things I want?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

👫 Check out our free Term Life Insurance Guide for helpful info and resources.



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 15 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I am getting calls regarding debt on my deceased father. How do I handle this?"

  "Can we get some advice on managing finances with a large family and disagreements on spending?"

  "How do my fiancé and I plan to combine our finances when there is a prenup in place?"

  "We would like to retire early. How should we adjust our investments in order to make this happen?"

  "How do I get out of $1.8M in debt when I'm stretched thin in spite of a high net worth?"

  "How do I keep my addict brother from blowing his portion of our inheritance?"

  "Am I wrong for not wanting to pay for repairs to my mother's home?"

  "My wife and I disagree on what to do with a whole life policy"

  "My wife and I disagree on leveraging debt to make money. Who is right?"

  "I am $10,000 underwater on my leased car. How should I handle this?"

  "I am debt-free. When can I start buying things I want?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

👫 Check out our free Term Life Insurance Guide for helpful info and resources.



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"I am getting calls regarding debt on my deceased father. How do I handle this?"</li>
  <li>"Can we get some advice on managing finances with a large family and disagreements on spending?"</li>
  <li>"How do my fiancé and I plan to combine our finances when there is a prenup in place?"</li>
  <li>"We would like to retire early. How should we adjust our investments in order to make this happen?"</li>
  <li>"How do I get out of $1.8M in debt when I'm stretched thin in spite of a high net worth?"</li>
  <li>"How do I keep my addict brother from blowing his portion of our inheritance?"</li>
  <li>"Am I wrong for not wanting to pay for repairs to my mother's home?"</li>
  <li>"My wife and I disagree on what to do with a whole life policy"</li>
  <li>"My wife and I disagree on leveraging debt to make money. Who is right?"</li>
  <li>"I am $10,000 underwater on my leased car. How should I handle this?"</li>
  <li>"I am debt-free. When can I start buying things I want?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">Check out our free Term Life Insurance Guide for helpful info and resources.</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6746</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b678320e-8389-11f0-8a21-b73fd7a3bf59]]></guid>
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    </item>
    <item>
      <title>Slow and Steady Beats Get Rich Quick</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


George Kamel and Ken Coleman answer your questions and discuss:


  "Should we keep a rental if we're losing money on it?"

  "I just found out I'm pregnant, how can I financially prepare?"

  "I took out a pension loan, should that be first in my debt snowball?"

  "Should we pull from savings to pay off debt?"

  "Should I buy a house with 0% down?"

  "Should surplus investing go into a brokerage or a Roth IRA?"

  "I lost my job a month ago. When should I sell my house?"

  "Is my boyfriend's lack of interest in getting a job a red flag about getting married?"

  "Should I buy a house with my parents when my wife is totally against the idea?"

  "Should I pay off my mortgage with my brokerage account?"

  "How do I balance living for today and saving for the future?"

  "Can I invest in a side hustle while paying off debt?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠

📘 ⁠Lead a Financial Peace University class⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 12 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


George Kamel and Ken Coleman answer your questions and discuss:


  "Should we keep a rental if we're losing money on it?"

  "I just found out I'm pregnant, how can I financially prepare?"

  "I took out a pension loan, should that be first in my debt snowball?"

  "Should we pull from savings to pay off debt?"

  "Should I buy a house with 0% down?"

  "Should surplus investing go into a brokerage or a Roth IRA?"

  "I lost my job a month ago. When should I sell my house?"

  "Is my boyfriend's lack of interest in getting a job a red flag about getting married?"

  "Should I buy a house with my parents when my wife is totally against the idea?"

  "Should I pay off my mortgage with my brokerage account?"

  "How do I balance living for today and saving for the future?"

  "Can I invest in a side hustle while paying off debt?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠

📘 ⁠Lead a Financial Peace University class⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠</a></p>
<p>
George Kamel and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should we keep a rental if we're losing money on it?"</li>
  <li>"I just found out I'm pregnant, how can I financially prepare?"</li>
  <li>"I took out a pension loan, should that be first in my debt snowball?"</li>
  <li>"Should we pull from savings to pay off debt?"</li>
  <li>"Should I buy a house with 0% down?"</li>
  <li>"Should surplus investing go into a brokerage or a Roth IRA?"</li>
  <li>"I lost my job a month ago. When should I sell my house?"</li>
  <li>"Is my boyfriend's lack of interest in getting a job a red flag about getting married?"</li>
  <li>"Should I buy a house with my parents when my wife is totally against the idea?"</li>
  <li>"Should I pay off my mortgage with my brokerage account?"</li>
  <li>"How do I balance living for today and saving for the future?"</li>
  <li>"Can I invest in a side hustle while paying off debt?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dxw4ib">⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠</a></p>
<p>📘 <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6815</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b9656fe0-8389-11f0-8a21-7b2cf6f00200]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9539819174.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When You Feel Overwhelmed, Control the Controllables</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I pay off my HELOC first in my debt snowball?"

  "Is it possible to graduate Baby Step 4?"

  "We're expecting $500,000 from the sale of a business. How do we best use these funds?"

  "How do I break the news to my wife that we are broke and $500,000 in debt?"

  "I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"

  "Can I change my career now that I've finished Baby Step 2?"

  "Should we consider our rental property as debt in Baby Step 2?"

  "How do I get out of a motorcycle I'm upside down on?"

  "How can I convince my husband that we need to create a joint account?"

  "My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every …⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠



Connect With Our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 11 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I pay off my HELOC first in my debt snowball?"

  "Is it possible to graduate Baby Step 4?"

  "We're expecting $500,000 from the sale of a business. How do we best use these funds?"

  "How do I break the news to my wife that we are broke and $500,000 in debt?"

  "I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"

  "Can I change my career now that I've finished Baby Step 2?"

  "Should we consider our rental property as debt in Baby Step 2?"

  "How do I get out of a motorcycle I'm upside down on?"

  "How can I convince my husband that we need to create a joint account?"

  "My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every …⁠

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Should I pay off my HELOC first in my debt snowball?"</li>
  <li>"Is it possible to graduate Baby Step 4?"</li>
  <li>"We're expecting $500,000 from the sale of a business. How do we best use these funds?"</li>
  <li>"How do I break the news to my wife that we are broke and $500,000 in debt?"</li>
  <li>"I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"</li>
  <li>"Can I change my career now that I've finished Baby Step 2?"</li>
  <li>"Should we consider our rental property as debt in Baby Step 2?"</li>
  <li>"How do I get out of a motorcycle I'm upside down on?"</li>
  <li>"How can I convince my husband that we need to create a joint account?"</li>
  <li>"My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/dxw4ib">⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every …⁠</a></p>
<p>🛡️ <a href="https://ter.li/el2e9s">⁠Protect yourself with trusted insurance coverage that fits your budget.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6730</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b8e00fa8-8389-11f0-8a21-6b2d93ebb5bb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1261356450.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Hack Your Way Out of Debt</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Dr. John Deloney answer your questions and discuss:


  "Should I lock my husband out of our savings account to stop his spending?"

  "How do I pay off debt as a single mom?"

  "Should I finance a car with my company's stipend?"

  "Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"

  "Is my total net worth too tied up in real estate?"

  "We're drowning in personal and business debt. Should we file for bankruptcy?"

  "Should I pull from my IRA to build a cabin or just take out a loan?"

  "Should I just let go of the idea of marrying my partner?"

  "I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"

  "Should I pay my mortgage off when a family member is the loan holder?"

  "My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"

  "Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"

  "We make $200,000 but can't seem to get back on track. What are we doing wrong?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠



Connect With Our Sponsors:


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  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Wed, 10 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Dr. John Deloney answer your questions and discuss:


  "Should I lock my husband out of our savings account to stop his spending?"

  "How do I pay off debt as a single mom?"

  "Should I finance a car with my company's stipend?"

  "Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"

  "Is my total net worth too tied up in real estate?"

  "We're drowning in personal and business debt. Should we file for bankruptcy?"

  "Should I pull from my IRA to build a cabin or just take out a loan?"

  "Should I just let go of the idea of marrying my partner?"

  "I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"

  "Should I pay my mortgage off when a family member is the loan holder?"

  "My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"

  "Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"

  "We make $200,000 but can't seem to get back on track. What are we doing wrong?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠</a></p>
<p>
Dave Ramsey and Dr. John Deloney answer your questions and discuss:</p>
<ul>
  <li>"Should I lock my husband out of our savings account to stop his spending?"</li>
  <li>"How do I pay off debt as a single mom?"</li>
  <li>"Should I finance a car with my company's stipend?"</li>
  <li>"Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"</li>
  <li>"Is my total net worth too tied up in real estate?"</li>
  <li>"We're drowning in personal and business debt. Should we file for bankruptcy?"</li>
  <li>"Should I pull from my IRA to build a cabin or just take out a loan?"</li>
  <li>"Should I just let go of the idea of marrying my partner?"</li>
  <li>"I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"</li>
  <li>"Should I pay my mortgage off when a family member is the loan holder?"</li>
  <li>"My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"</li>
  <li>"Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"</li>
  <li>"We make $200,000 but can't seem to get back on track. What are we doing wrong?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/gs1gjb%20">⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6791</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b8062aea-8389-11f0-8a21-33fc6ae32eb4]]></guid>
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    </item>
    <item>
      <title>Don’t Let Panic Derail Your Plan</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "We're barely scraping by and I just found out I'm pregnant"

  "I have to ask my husband for money for anything I do - should I divorce him? "

  "I'm 20 years old and considering filing for bankruptcy"

  "How do I start investing?"

  "I'm getting a large inheritance. How should I invest it?"

  "We're net worth millionaires but struggle to pay our bills"

  "I've been fired twice and we're drowning in debt"

  "What is your opinion on being able to Vemno the government to pay down the national debt?"

  "Should we buy a home in cash if we are going to be moving every few years?"

  "Can we do the debt snowball out of order since we have a baby on the way?"

  "Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"

  "Can I afford a second child with the home repairs we have to pay?"

  "I'm 65, can I afford to retire?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

💵⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Tue, 09 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠


Dave Ramsey and Ken Coleman answer your questions and discuss:


  "We're barely scraping by and I just found out I'm pregnant"

  "I have to ask my husband for money for anything I do - should I divorce him? "

  "I'm 20 years old and considering filing for bankruptcy"

  "How do I start investing?"

  "I'm getting a large inheritance. How should I invest it?"

  "We're net worth millionaires but struggle to pay our bills"

  "I've been fired twice and we're drowning in debt"

  "What is your opinion on being able to Vemno the government to pay down the national debt?"

  "Should we buy a home in cash if we are going to be moving every few years?"

  "Can we do the debt snowball out of order since we have a baby on the way?"

  "Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"

  "Can I afford a second child with the home repairs we have to pay?"

  "I'm 65, can I afford to retire?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

💵⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠</a></p>
<p>
Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"We're barely scraping by and I just found out I'm pregnant"</li>
  <li>"I have to ask my husband for money for anything I do - should I divorce him? "</li>
  <li>"I'm 20 years old and considering filing for bankruptcy"</li>
  <li>"How do I start investing?"</li>
  <li>"I'm getting a large inheritance. How should I invest it?"</li>
  <li>"We're net worth millionaires but struggle to pay our bills"</li>
  <li>"I've been fired twice and we're drowning in debt"</li>
  <li>"What is your opinion on being able to Vemno the government to pay down the national debt?"</li>
  <li>"Should we buy a home in cash if we are going to be moving every few years?"</li>
  <li>"Can we do the debt snowball out of order since we have a baby on the way?"</li>
  <li>"Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"</li>
  <li>"Can I afford a second child with the home repairs we have to pay?"</li>
  <li>"I'm 65, can I afford to retire?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/gs1gjb%20">⁠ <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
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    <item>
      <title>Debt Always Comes With Strings Attached</title>
      <description>🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "What should I do with $100,000 I have sitting in my account?"

  "My husband doesn't think I should spend money since I'm a stay-at-home mom..."

  "I am $2.5 million in debt. Should I pay it down if it's low interest?"

  "I feel guilty moving out if it puts my sisters in a bind financially..."

  "Can we afford a $200,000 bus to travel in retirement?"

  "My ex-fiancée stopped paying on her car that I cosigned on..."

  "Should I liquidate my cryptocurrency to pay off my debt?"

  "Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?"

  "How do we split up the expenses for our wedding without combining money?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 08 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠


Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "What should I do with $100,000 I have sitting in my account?"

  "My husband doesn't think I should spend money since I'm a stay-at-home mom..."

  "I am $2.5 million in debt. Should I pay it down if it's low interest?"

  "I feel guilty moving out if it puts my sisters in a bind financially..."

  "Can we afford a $200,000 bus to travel in retirement?"

  "My ex-fiancée stopped paying on her car that I cosigned on..."

  "Should I liquidate my cryptocurrency to pay off my debt?"

  "Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?"

  "How do we split up the expenses for our wedding without combining money?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>🤔 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠</a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠</a></p>
<p>
Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"What should I do with $100,000 I have sitting in my account?"</li>
  <li>"My husband doesn't think I should spend money since I'm a stay-at-home mom..."</li>
  <li>"I am $2.5 million in debt. Should I pay it down if it's low interest?"</li>
  <li>"I feel guilty moving out if it puts my sisters in a bind financially..."</li>
  <li>"Can we afford a $200,000 bus to travel in retirement?"</li>
  <li>"My ex-fiancée stopped paying on her car that I cosigned on..."</li>
  <li>"Should I liquidate my cryptocurrency to pay off my debt?"</li>
  <li>"Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?"</li>
  <li>"How do we split up the expenses for our wedding without combining money?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/gs1gjb%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p>👫 <a href="https://ter.li/ourhku">⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6754</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b64b0018-8389-11f0-8a21-73b234064854]]></guid>
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    </item>
    <item>
      <title>If You Feel Stuck, It’s Time for a Reset</title>
      <description>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠


Ken Coleman and George Kamel answer your questions and discuss:


  "Should I lease a car to get out of my car loan?"

  "I'll lose my disability benefits if I get a better job..."

  "I feel like I'll never see the money that I'm investing..."

  "I did the Baby Steps out of order. How do I get back on track?"

  "How can we pay off debt when our mortgage payment is crushing us?"

  "How do I convince my husband that it's time to move out of my parents' house?"

  "Pay off business car debts first or save?"

  "Are credit cards worth it for the travel miles?"

  "How do I balance paying off business debt and expanding?"

  "Should I pull from an inherited IRA to pay off debt?"

  "What should I do with $45k I have in a safe at home?"

  "FW: What do I do when I've reached "the end" of the Baby Steps?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠

🎟️ ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

🪪 Learn more about ID Theft Protection⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 05 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠


Ken Coleman and George Kamel answer your questions and discuss:


  "Should I lease a car to get out of my car loan?"

  "I'll lose my disability benefits if I get a better job..."

  "I feel like I'll never see the money that I'm investing..."

  "I did the Baby Steps out of order. How do I get back on track?"

  "How can we pay off debt when our mortgage payment is crushing us?"

  "How do I convince my husband that it's time to move out of my parents' house?"

  "Pay off business car debts first or save?"

  "Are credit cards worth it for the travel miles?"

  "How do I balance paying off business debt and expanding?"

  "Should I pull from an inherited IRA to pay off debt?"

  "What should I do with $45k I have in a safe at home?"

  "FW: What do I do when I've reached "the end" of the Baby Steps?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠

🎟️ ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

🪪 Learn more about ID Theft Protection⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠</a></p>
<p>
Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Should I lease a car to get out of my car loan?"</li>
  <li>"I'll lose my disability benefits if I get a better job..."</li>
  <li>"I feel like I'll never see the money that I'm investing..."</li>
  <li>"I did the Baby Steps out of order. How do I get back on track?"</li>
  <li>"How can we pay off debt when our mortgage payment is crushing us?"</li>
  <li>"How do I convince my husband that it's time to move out of my parents' house?"</li>
  <li>"Pay off business car debts first or save?"</li>
  <li>"Are credit cards worth it for the travel miles?"</li>
  <li>"How do I balance paying off business debt and expanding?"</li>
  <li>"Should I pull from an inherited IRA to pay off debt?"</li>
  <li>"What should I do with $45k I have in a safe at home?"</li>
  <li>"FW: What do I do when I've reached "the end" of the Baby Steps?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠</a></p>
<p>🪪 <a href="https://ramseysolutions.com/idtheft">Learn more about ID Theft Protection⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6868</itunes:duration>
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    </item>
    <item>
      <title>You Don’t Have To Live One Emergency Away From Broke</title>
      <description>📈 ⁠Think you’re good with money? Take our Money in America quiz!⁠


Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How can I maintain my credit and keep my home despite a separation from my husband?"

  "Should I sell my home to pay off $125,000 of debt?"

  "How do I tell my fiancé to stop paying his parents' mortgage?"

  "How do we keep the "hustle" going after Baby Step 2?"

  "I'm living off credit cards, is selling my business a good way to pay off my debt?"

  "How should we finance the remodel of our house?"

  "My son is asking for more money for school overseas, what should we do?"

  "How do I tell my 75-year-old sister that I cannot be her lifelong safety net?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

📚 ⁠⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 04 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠Think you’re good with money? Take our Money in America quiz!⁠


Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How can I maintain my credit and keep my home despite a separation from my husband?"

  "Should I sell my home to pay off $125,000 of debt?"

  "How do I tell my fiancé to stop paying his parents' mortgage?"

  "How do we keep the "hustle" going after Baby Step 2?"

  "I'm living off credit cards, is selling my business a good way to pay off my debt?"

  "How should we finance the remodel of our house?"

  "My son is asking for more money for school overseas, what should we do?"

  "How do I tell my 75-year-old sister that I cannot be her lifelong safety net?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

📚 ⁠⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>📈 <a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠Think you’re good with money? Take our Money in America quiz!⁠</a></p>
<p>
Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How can I maintain my credit and keep my home despite a separation from my husband?"</li>
  <li>"Should I sell my home to pay off $125,000 of debt?"</li>
  <li>"How do I tell my fiancé to stop paying his parents' mortgage?"</li>
  <li>"How do we keep the "hustle" going after Baby Step 2?"</li>
  <li>"I'm living off credit cards, is selling my business a good way to pay off my debt?"</li>
  <li>"How should we finance the remodel of our house?"</li>
  <li>"My son is asking for more money for school overseas, what should we do?"</li>
  <li>"How do I tell my 75-year-old sister that I cannot be her lifelong safety net?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6829</itunes:duration>
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    </item>
    <item>
      <title>You Breathe Easier Without Payments Choking You</title>
      <description>📈 ⁠Think you’re good with money? Take our Money in America quiz! ⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  "I inherited $750,000, should I use it all to buy a house in cash?"

  "Is selling my house the only option for me to get out of debt?"

  "How do I navigate going through a divorce and expecting twins?"

  "Should I quit my job to be a stay-at-home mom?"

  "How do I begin to trust my husband after his financial infidelity?"

  "How do I convince my wife that keeping cash at home to hide it from the government isn't a good idea?"

  "I'm $300,000 in debt, how do I begin to pay this off?"

  "Can I afford to buy a Viper?"

  "We're millionaires but we still have anxiety about buying a vacation home"


Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🎟️ ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

📚 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 03 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠Think you’re good with money? Take our Money in America quiz! ⁠⁠


George Kamel and Jade Warshaw answer your questions and discuss:


  "I inherited $750,000, should I use it all to buy a house in cash?"

  "Is selling my house the only option for me to get out of debt?"

  "How do I navigate going through a divorce and expecting twins?"

  "Should I quit my job to be a stay-at-home mom?"

  "How do I begin to trust my husband after his financial infidelity?"

  "How do I convince my wife that keeping cash at home to hide it from the government isn't a good idea?"

  "I'm $300,000 in debt, how do I begin to pay this off?"

  "Can I afford to buy a Viper?"

  "We're millionaires but we still have anxiety about buying a vacation home"


Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🎟️ ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

📚 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>📈 <a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠Think you’re good with money? Take our Money in America quiz! </a><a href="https://ter.li/degkjb">⁠⁠</a></p>
<p>
George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"I inherited $750,000, should I use it all to buy a house in cash?"</li>
  <li>"Is selling my house the only option for me to get out of debt?"</li>
  <li>"How do I navigate going through a divorce and expecting twins?"</li>
  <li>"Should I quit my job to be a stay-at-home mom?"</li>
  <li>"How do I begin to trust my husband after his financial infidelity?"</li>
  <li>"How do I convince my wife that keeping cash at home to hide it from the government isn't a good idea?"</li>
  <li>"I'm $300,000 in debt, how do I begin to pay this off?"</li>
  <li>"Can I afford to buy a Viper?"</li>
  <li>"We're millionaires but we still have anxiety about buying a vacation home"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6792</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b7da6dba-8389-11f0-8a21-6b6531ed2ab6]]></guid>
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    </item>
    <item>
      <title>Money Magnifies What You Already Are</title>
      <description>📈 ⁠Think you’re good with money? Take our Money in America quiz! 

Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I borrow from my 401(k) to start a business?"

  "How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?"

  "How does Baby Step 6 work if I will be moving every few years?"

  "How do I deal with people asking for my deceased husband's personal belongings?". 




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 02 Sep 2025 21:20:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠Think you’re good with money? Take our Money in America quiz! 

Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I borrow from my 401(k) to start a business?"

  "How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?"

  "How does Baby Step 6 work if I will be moving every few years?"

  "How do I deal with people asking for my deceased husband's personal belongings?". 




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.


  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>📈 <a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">⁠Think you’re good with money? Take our Money in America quiz! </a>

Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I borrow from my 401(k) to start a business?"</li>
  <li>"How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?"</li>
  <li>"How does Baby Step 6 work if I will be moving every few years?"</li>
  <li>"How do I deal with people asking for my deceased husband's personal belongings?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class.⁠</a></p>
<p>🎟️ <a href="https://ter.li/14x4ek">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6746</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b7afc524-8389-11f0-8a21-7305ce09cf24]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2588544346.mp3" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Big Incomes Don’t Cancel Out Bad Decisions</title>
      <description>Dave Ramsey and George Kamel answer your questions and discuss:


  
"We're $500K in debt, can we afford new cars?”



  
"My girlfriend will lose her pension if we get married"



  
"How do we pay off $500k of medical debt?"



  
"Is there a limited amount of wealth available?"



  
"My husband keeps refusing to combine finances,"



  
"Should we usse our savings to pay off our student loans?"



  
Living paycheck-to-paycheck on $600K a year.






Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.



📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ The Ramsey Show Live Tour: Get Your Tickets!

📘Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 01 Sep 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>Dave Ramsey and George Kamel answer your questions and discuss:


  
"We're $500K in debt, can we afford new cars?”



  
"My girlfriend will lose her pension if we get married"



  
"How do we pay off $500k of medical debt?"



  
"Is there a limited amount of wealth available?"



  
"My husband keeps refusing to combine finances,"



  
"Should we usse our savings to pay off our student loans?"



  
Living paycheck-to-paycheck on $600K a year.






Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.



📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ The Ramsey Show Live Tour: Get Your Tickets!

📘Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>
<p>"We're $500K in debt, can we afford new cars?”</p>
</li>
  <li>
<p>"My girlfriend will lose her pension if we get married"</p>
</li>
  <li>
<p>"How do we pay off $500k of medical debt?"</p>
</li>
  <li>
<p>"Is there a limited amount of wealth available?"</p>
</li>
  <li>
<p>"My husband keeps refusing to combine finances,"</p>
</li>
  <li>
<p>"Should we usse our savings to pay off our student loans?"</p>
</li>
  <li>
<p>Living paycheck-to-paycheck on $600K a year.</p>
</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p><br></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/xs5jpe%20">The Ramsey Show Live Tour: Get Your Tickets!</a></p>
<p>📘<a href="https://ter.li/5iegog">Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!</a></p>
<p><strong>🛡️ </strong>⁠⁠<a href="https://ter.li/d66d2u">Get trusted insurance coverage that fits your budget.</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u></a></p>
<p><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6634</itunes:duration>
      <guid isPermaLink="false"><![CDATA[7c395e54-7ec2-11f0-89f5-a7c9678c65d3]]></guid>
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    </item>
    <item>
      <title>You’ll Always Live Paycheck-to-Paycheck Until You Have a Budget</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠


Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Should we sell our home to get out of debt?"

  "I don't see how I can finish college without taking on more debt..."

  "Should I sell my rentals?"

  "Can I afford to retire now?"

  "How do I pay off a 401(k) loan?"

  "Should I take out a loan to speed up building my house?"

  "How do I financially prepare to leave my husband?"

  "Is it normal to have difficulties changing from using credit cards to cash?"

  "How do I make a budget?"

  "My ex-wife and I disagree on the purchase of our son's first car..."

  "The sale of our family business went sideways and wiped out my retirement..."

  "My car is totaled and I don’t have savings. Should I get a car loan?"

  "Should I pursue a relationship with a man when I'm not sure I trust him financially?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

⛰️ ⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Fri, 29 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠


Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Should we sell our home to get out of debt?"

  "I don't see how I can finish college without taking on more debt..."

  "Should I sell my rentals?"

  "Can I afford to retire now?"

  "How do I pay off a 401(k) loan?"

  "Should I take out a loan to speed up building my house?"

  "How do I financially prepare to leave my husband?"

  "Is it normal to have difficulties changing from using credit cards to cash?"

  "How do I make a budget?"

  "My ex-wife and I disagree on the purchase of our son's first car..."

  "The sale of our family business went sideways and wiped out my retirement..."

  "My car is totaled and I don’t have savings. Should I get a car loan?"

  "Should I pursue a relationship with a man when I'm not sure I trust him financially?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

⛰️ ⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠</a></p>
<p>
Jade Warshaw and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should we sell our home to get out of debt?"</li>
  <li>"I don't see how I can finish college without taking on more debt..."</li>
  <li>"Should I sell my rentals?"</li>
  <li>"Can I afford to retire now?"</li>
  <li>"How do I pay off a 401(k) loan?"</li>
  <li>"Should I take out a loan to speed up building my house?"</li>
  <li>"How do I financially prepare to leave my husband?"</li>
  <li>"Is it normal to have difficulties changing from using credit cards to cash?"</li>
  <li>"How do I make a budget?"</li>
  <li>"My ex-wife and I disagree on the purchase of our son's first car..."</li>
  <li>"The sale of our family business went sideways and wiped out my retirement..."</li>
  <li>"My car is totaled and I don’t have savings. Should I get a car loan?"</li>
  <li>"Should I pursue a relationship with a man when I'm not sure I trust him financially?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/jkfgcn">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6821</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d8480754-6644-11f0-af2b-67ccd8671a8a]]></guid>
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    </item>
    <item>
      <title>Discipline Matters Most in the Hard Times</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How can I leave my husband when I have no job or savings of my own?"

  "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"

  "Can we afford to slow down paying off debt to be present with our kids?"

  "How can I best use the inheritance I just received?"

  "My husband just told me we are $60,000 in debt. How do we go about this wisely?"

  "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"

  "I just got fired, should I file for bankruptcy or consider a debt relief program?"

  "How do I get my husband to take the plunge and buy us a house?"

  "Is a budget set in stone or can it be revised once it's in play?"

  "Should I lower my retirement contribution in order to pay off my house faster?"

  "How do I help my mom who has $200,000 in debt and nothing saved for retirement?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📚 ⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠

⛰️ ⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠

🤔 ⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Thu, 28 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How can I leave my husband when I have no job or savings of my own?"

  "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"

  "Can we afford to slow down paying off debt to be present with our kids?"

  "How can I best use the inheritance I just received?"

  "My husband just told me we are $60,000 in debt. How do we go about this wisely?"

  "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"

  "I just got fired, should I file for bankruptcy or consider a debt relief program?"

  "How do I get my husband to take the plunge and buy us a house?"

  "Is a budget set in stone or can it be revised once it's in play?"

  "Should I lower my retirement contribution in order to pay off my house faster?"

  "How do I help my mom who has $200,000 in debt and nothing saved for retirement?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📚 ⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠

⛰️ ⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠

🤔 ⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How can I leave my husband when I have no job or savings of my own?"</li>
  <li>"We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"</li>
  <li>"Can we afford to slow down paying off debt to be present with our kids?"</li>
  <li>"How can I best use the inheritance I just received?"</li>
  <li>"My husband just told me we are $60,000 in debt. How do we go about this wisely?"</li>
  <li>"My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"</li>
  <li>"I just got fired, should I file for bankruptcy or consider a debt relief program?"</li>
  <li>"How do I get my husband to take the plunge and buy us a house?"</li>
  <li>"Is a budget set in stone or can it be revised once it's in play?"</li>
  <li>"Should I lower my retirement contribution in order to pay off my house faster?"</li>
  <li>"How do I help my mom who has $200,000 in debt and nothing saved for retirement?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6772</itunes:duration>
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    </item>
    <item>
      <title>If You Don’t Stand for Something, Your Money Will Fall for Anything</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I accept my girlfriend's offer to pay off my debt?"

  "Should we pay off debt with a baby on the way?"

  "Can I put $200,000 I've received from a settlement in a bond?"

  "I want to save money but my husband keeps getting us into credit card debt..."

  "How do my fiancée and I tackle our $177,000 of debt?"

  "We have almost $300,000 of student loan debt. How do we get out of this?"

  "How do we plan for taking in our 3 grandchildren permanently?"

  "Should I solicit my van for voluntary repossession?"

  "Is it fair to ask my fiance to save up now for when we get married?"

  "I was evicted in January and now owe that apartment $12,000. Should I prioritize this in my debt snowball?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 27 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I accept my girlfriend's offer to pay off my debt?"

  "Should we pay off debt with a baby on the way?"

  "Can I put $200,000 I've received from a settlement in a bond?"

  "I want to save money but my husband keeps getting us into credit card debt..."

  "How do my fiancée and I tackle our $177,000 of debt?"

  "We have almost $300,000 of student loan debt. How do we get out of this?"

  "How do we plan for taking in our 3 grandchildren permanently?"

  "Should I solicit my van for voluntary repossession?"

  "Is it fair to ask my fiance to save up now for when we get married?"

  "I was evicted in January and now owe that apartment $12,000. Should I prioritize this in my debt snowball?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should I accept my girlfriend's offer to pay off my debt?"</li>
  <li>"Should we pay off debt with a baby on the way?"</li>
  <li>"Can I put $200,000 I've received from a settlement in a bond?"</li>
  <li>"I want to save money but my husband keeps getting us into credit card debt..."</li>
  <li>"How do my fiancée and I tackle our $177,000 of debt?"</li>
  <li>"We have almost $300,000 of student loan debt. How do we get out of this?"</li>
  <li>"How do we plan for taking in our 3 grandchildren permanently?"</li>
  <li>"Should I solicit my van for voluntary repossession?"</li>
  <li>"Is it fair to ask my fiance to save up now for when we get married?"</li>
  <li>"I was evicted in January and now owe that apartment $12,000. Should I prioritize this in my debt snowball?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠⁠Find out your Baby Step and get a plan for your money. ⁠</a></p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6810</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d99b4788-6644-11f0-af2b-179d1bb59793]]></guid>
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    </item>
    <item>
      <title>A Proven Plan Beats A Quick Fix Every Time</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How much should I invest vs. put into savings?"

  "Should I sell my house to pay off debt?"

  "I've gambled away $50k in the last two months"

  "I'm $20k underwater on my car. What should I do?"

  "How do I tackle $200k in student loans?"

  "Should I borrow from my 401(k) to pay off high-interest debt?"

  "Am I being too intense paying off my house?"

  "How do we use disability income wisely?"

  "How do teachers become millionaires on a teacher’s salary?"

  "Is it financially time to consider rehoming our dogs?"

  "How do I talk to my wife about combining our finances?"

  "Should I lease a vehicle from my employer or buy my own?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🤔 ⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Tue, 26 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How much should I invest vs. put into savings?"

  "Should I sell my house to pay off debt?"

  "I've gambled away $50k in the last two months"

  "I'm $20k underwater on my car. What should I do?"

  "How do I tackle $200k in student loans?"

  "Should I borrow from my 401(k) to pay off high-interest debt?"

  "Am I being too intense paying off my house?"

  "How do we use disability income wisely?"

  "How do teachers become millionaires on a teacher’s salary?"

  "Is it financially time to consider rehoming our dogs?"

  "How do I talk to my wife about combining our finances?"

  "Should I lease a vehicle from my employer or buy my own?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

🤔 ⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

  Get started today with⁠⁠ Churchill Mortgage⁠⁠.

  Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

  Visit⁠⁠ NetSuite⁠⁠ today to learn more.


  For more information, go to ⁠⁠SimpliSafe⁠⁠.

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"How much should I invest vs. put into savings?"</li>
  <li>"Should I sell my house to pay off debt?"</li>
  <li>"I've gambled away $50k in the last two months"</li>
  <li>"I'm $20k underwater on my car. What should I do?"</li>
  <li>"How do I tackle $200k in student loans?"</li>
  <li>"Should I borrow from my 401(k) to pay off high-interest debt?"</li>
  <li>"Am I being too intense paying off my house?"</li>
  <li>"How do we use disability income wisely?"</li>
  <li>"How do teachers become millionaires on a teacher’s salary?"</li>
  <li>"Is it financially time to consider rehoming our dogs?"</li>
  <li>"How do I talk to my wife about combining our finances?"</li>
  <li>"Should I lease a vehicle from my employer or buy my own?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠⁠Find out your Baby Step and get a plan for your money. ⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6768</itunes:duration>
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      <title>Stop Excusing Debt as a Dream</title>
      <description>🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"

  "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."

  "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"

  "Was taking out a $100,000 loan to buy cattle a bad idea?"

  "What should I do with my stock that has grown to $1.8 million?"

  "Should we accept a $100,000 gift from my parents?"

  "What's the best way to invest?"

  "I'll be graduating med school with over $200,000 of student loan debt.  How do I pay them off while investing in a Roth?"

  "Is this trend of people selling their houses for RVs healthy?"

  "How do I repair my marriage and get out of debt?"

  "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠

✏️ ⁠Explore our high school personal finance and new economics curriculum.⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠.

  Get 10% off your first month of⁠ BetterHelp⁠.

  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠.

  Get 20% off when you join ⁠DeleteMe⁠.

  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠Health Trust Financial⁠.

  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

  Visit⁠ NetSuite⁠ today to learn more.


  For more information, go to ⁠SimpliSafe⁠.

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 25 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"

  "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."

  "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"

  "Was taking out a $100,000 loan to buy cattle a bad idea?"

  "What should I do with my stock that has grown to $1.8 million?"

  "Should we accept a $100,000 gift from my parents?"

  "What's the best way to invest?"

  "I'll be graduating med school with over $200,000 of student loan debt.  How do I pay them off while investing in a Roth?"

  "Is this trend of people selling their houses for RVs healthy?"

  "How do I repair my marriage and get out of debt?"

  "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠

✏️ ⁠Explore our high school personal finance and new economics curriculum.⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠



Connect With Our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠.

  Get 10% off your first month of⁠ BetterHelp⁠.

  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠.

  Get started today with⁠ Churchill Mortgage⁠.

  Get 20% off when you join ⁠DeleteMe⁠.

  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Find top health insurance plans at ⁠Health Trust Financial⁠.

  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

  Visit⁠ NetSuite⁠ today to learn more.


  For more information, go to ⁠SimpliSafe⁠.

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.

  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"</li>
  <li>"I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."</li>
  <li>"My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"</li>
  <li>"Was taking out a $100,000 loan to buy cattle a bad idea?"</li>
  <li>"What should I do with my stock that has grown to $1.8 million?"</li>
  <li>"Should we accept a $100,000 gift from my parents?"</li>
  <li>"What's the best way to invest?"</li>
  <li>"I'll be graduating med school with over $200,000 of student loan debt.  How do I pay them off while investing in a Roth?"</li>
  <li>"Is this trend of people selling their houses for RVs healthy?"</li>
  <li>"How do I repair my marriage and get out of debt?"</li>
  <li>"Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠ <u>⁠send us an email</u>⁠</a>.</p>
<p>💵 <u>⁠</u><a href="https://ter.li/tjytcg">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠Get episodes early in the free Ramsey Network app! ⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out⁠</a></p>
<p>✏️ <a href="https://ter.li/4hp96j">⁠Explore our high school personal finance and new economics curriculum.⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠<strong>SimpliSafe</strong>⁠</a>.</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6770</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9757932027.mp3?updated=1753110948" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don’t Have to Stay Broke</title>
      <description>🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠



Rachel Cruze and Ken Coleman answer your questions and discuss:


  "I'm broke and overextended on my home,"

  "What should I do with a life insurance payout?"

  "How do I overcome my anxiety around renting?"

  "We're newly married and behind on our bills. How do we catch up?"

  "My fiancé wants me to use my savings to renovate his parents' home,"

  "Why do you encourage kids to move out at a young age?"

  "Should I focus on my or my wife's debt first?"

  "In our situation, can we combine finances before we get married?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

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Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 22 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠



Rachel Cruze and Ken Coleman answer your questions and discuss:


  "I'm broke and overextended on my home,"

  "What should I do with a life insurance payout?"

  "How do I overcome my anxiety around renting?"

  "We're newly married and behind on our bills. How do we catch up?"

  "My fiancé wants me to use my savings to renovate his parents' home,"

  "Why do you encourage kids to move out at a young age?"

  "Should I focus on my or my wife's debt first?"

  "In our situation, can we combine finances before we get married?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠</a></p>
<p><br></p>
<p>Rachel Cruze and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"I'm broke and overextended on my home,"</li>
  <li>"What should I do with a life insurance payout?"</li>
  <li>"How do I overcome my anxiety around renting?"</li>
  <li>"We're newly married and behind on our bills. How do we catch up?"</li>
  <li>"My fiancé wants me to use my savings to renovate his parents' home,"</li>
  <li>"Why do you encourage kids to move out at a young age?"</li>
  <li>"Should I focus on my or my wife's debt first?"</li>
  <li>"In our situation, can we combine finances before we get married?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>📚 <a href="https://ter.li/5iegog">⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
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<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6786</itunes:duration>
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    </item>
    <item>
      <title>No Matter Your Income, You Have To Know Where Your Money Is Going</title>
      <description>🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My mother-in-law owns a coin collection worth over $10,000. Where can we get it appraised for our inheritance?"

  "You have me convicted for being so reckless with my money. How do I clean up my financial situation?"

  "How do I tell my husband he can buy a $90,000 car?"

  "I've never made more than $40,000 a year. How do I increase my income?"

  "Should I ask my dad to cancel a credit card he took out to build my credit?"

  "How can I explain to my husband that his budget's too tight?"

  "Should I have my dad co-sign on my mortgage?"

  "How do I balance not seeing my kids while working Baby Step 2?"

  "At what point are you too greedy chasing money?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

💰 ⁠⁠⁠ ⁠⁠⁠⁠⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📈 ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 21 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My mother-in-law owns a coin collection worth over $10,000. Where can we get it appraised for our inheritance?"

  "You have me convicted for being so reckless with my money. How do I clean up my financial situation?"

  "How do I tell my husband he can buy a $90,000 car?"

  "I've never made more than $40,000 a year. How do I increase my income?"

  "Should I ask my dad to cancel a credit card he took out to build my credit?"

  "How can I explain to my husband that his budget's too tight?"

  "Should I have my dad co-sign on my mortgage?"

  "How do I balance not seeing my kids while working Baby Step 2?"

  "At what point are you too greedy chasing money?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

💰 ⁠⁠⁠ ⁠⁠⁠⁠⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📈 ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️ <a href="https://ter.li/xs5jpe">⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"My mother-in-law owns a coin collection worth over $10,000. Where can we get it appraised for our inheritance?"</li>
  <li>"You have me convicted for being so reckless with my money. How do I clean up my financial situation?"</li>
  <li>"How do I tell my husband he can buy a $90,000 car?"</li>
  <li>"I've never made more than $40,000 a year. How do I increase my income?"</li>
  <li>"Should I ask my dad to cancel a credit card he took out to build my credit?"</li>
  <li>"How can I explain to my husband that his budget's too tight?"</li>
  <li>"Should I have my dad co-sign on my mortgage?"</li>
  <li>"How do I balance not seeing my kids while working Baby Step 2?"</li>
  <li>"At what point are you too greedy chasing money?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/d66d2u">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p><strong>💰 </strong><a href="https://ter.li/degkjb">⁠⁠⁠</a> <a href="https://ter.li/qz04pj">⁠⁠⁠⁠⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>📈 <a href="https://ter.li/degkjb">⁠<u>Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6773</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d89cfc6e-6644-11f0-af2b-2b4f505402a2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1475385866.mp3?updated=1753110943" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Solve for Peace Instead of Screwing Around With Debt</title>
      <description>🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I invest into real estate instead of paying off my student loans?"

  "I'm drowning in debt and don't know what to do..."

  "Should I be allowed to spend $5-8,000/year on my sailboat when my wife says our kitchen needs remodeling?"

  "Are we obligated to give our dad money?"

  "Can we afford a $4,000 monthly mortgage payment?"

  "When and how do we give our kids access to the money they've earned on YouTube?"

  "My husband opened a credit card in my name and then passed away. Can I get out of this debt?"

  "I'm 38 and have nothing saved for retirement..."

  "Should we be investing more than 15% to compensate for my wife who's a stay-at-home mom?"

  "I drained my 401(k) to pay for my kids' college. I'm scared that I now have to start over with my retirement savings"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 20 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "Should I invest into real estate instead of paying off my student loans?"

  "I'm drowning in debt and don't know what to do..."

  "Should I be allowed to spend $5-8,000/year on my sailboat when my wife says our kitchen needs remodeling?"

  "Are we obligated to give our dad money?"

  "Can we afford a $4,000 monthly mortgage payment?"

  "When and how do we give our kids access to the money they've earned on YouTube?"

  "My husband opened a credit card in my name and then passed away. Can I get out of this debt?"

  "I'm 38 and have nothing saved for retirement..."

  "Should we be investing more than 15% to compensate for my wife who's a stay-at-home mom?"

  "I drained my 401(k) to pay for my kids' college. I'm scared that I now have to start over with my retirement savings"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️ <a href="https://ter.li/xs5jpe">⁠⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Should I invest into real estate instead of paying off my student loans?"</li>
  <li>"I'm drowning in debt and don't know what to do..."</li>
  <li>"Should I be allowed to spend $5-8,000/year on my sailboat when my wife says our kitchen needs remodeling?"</li>
  <li>"Are we obligated to give our dad money?"</li>
  <li>"Can we afford a $4,000 monthly mortgage payment?"</li>
  <li>"When and how do we give our kids access to the money they've earned on YouTube?"</li>
  <li>"My husband opened a credit card in my name and then passed away. Can I get out of this debt?"</li>
  <li>"I'm 38 and have nothing saved for retirement..."</li>
  <li>"Should we be investing more than 15% to compensate for my wife who's a stay-at-home mom?"</li>
  <li>"I drained my 401(k) to pay for my kids' college. I'm scared that I now have to start over with my retirement savings"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6712</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d9701982-6644-11f0-af2b-bb838f285419]]></guid>
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    </item>
    <item>
      <title>Change Starts Today. Don’t Wait Till You’re 65 and Broke</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm 65 and I've never made good decisions with money, where should my focus be at my age?"

  "Is health insurance a bad investment for our family?"

  "I'm skeptical about combining finances with my spouse..."

  "Can I retire at 38?"

  "How much should I spend on an engagement ring?"

  "Should I use a debt relief company to pay off my gambling debt?"

  "What is the best way for a married couple to handle finances while running a business together?"

  "I'm 61 with no retirement savings and living in low income housing..."

  "How do I combine my emergency fund and investments with my future wife?"

  "How do I encourage my husband to get a job so I don't have to work two of them?"

  "Should I leave a PhD program that I have a full-ride scholarship for?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 19 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "I'm 65 and I've never made good decisions with money, where should my focus be at my age?"

  "Is health insurance a bad investment for our family?"

  "I'm skeptical about combining finances with my spouse..."

  "Can I retire at 38?"

  "How much should I spend on an engagement ring?"

  "Should I use a debt relief company to pay off my gambling debt?"

  "What is the best way for a married couple to handle finances while running a business together?"

  "I'm 61 with no retirement savings and living in low income housing..."

  "How do I combine my emergency fund and investments with my future wife?"

  "How do I encourage my husband to get a job so I don't have to work two of them?"

  "Should I leave a PhD program that I have a full-ride scholarship for?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️ <a href="https://ter.li/xs5jpe">⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I'm 65 and I've never made good decisions with money, where should my focus be at my age?"</li>
  <li>"Is health insurance a bad investment for our family?"</li>
  <li>"I'm skeptical about combining finances with my spouse..."</li>
  <li>"Can I retire at 38?"</li>
  <li>"How much should I spend on an engagement ring?"</li>
  <li>"Should I use a debt relief company to pay off my gambling debt?"</li>
  <li>"What is the best way for a married couple to handle finances while running a business together?"</li>
  <li>"I'm 61 with no retirement savings and living in low income housing..."</li>
  <li>"How do I combine my emergency fund and investments with my future wife?"</li>
  <li>"How do I encourage my husband to get a job so I don't have to work two of them?"</li>
  <li>"Should I leave a PhD program that I have a full-ride scholarship for?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class.⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6750</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d9ef68cc-6644-11f0-af2b-334ae75705b8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3925446356.mp3?updated=1753110946" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Truth About Your Money Is Less Scary Than the Story in Your Head</title>
      <description>🎟️ ⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I get started when I feel stuck, weak, and ashamed due to my pornography addiction?"

  "How do I choose a beneficiary for my estate?"

  "Do I need to put 20% down on a house?"

  "My house is 51% of my income, how can I pay it off quickly?"

  "Should I cash out my investments to pay off an unexpected debt?"

  "Should we use money from our kids' savings to pay off debt?"

  "When do I talk about money when I'm dating?"

  "Should I file bankruptcy after getting divorced?"

  "How do we protect my step-kids from financial doom?"

  "What should I do with a large settlement?"

  "I'm $800k in debt and don't know where to start"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 18 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🎟️ ⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I get started when I feel stuck, weak, and ashamed due to my pornography addiction?"

  "How do I choose a beneficiary for my estate?"

  "Do I need to put 20% down on a house?"

  "My house is 51% of my income, how can I pay it off quickly?"

  "Should I cash out my investments to pay off an unexpected debt?"

  "Should we use money from our kids' savings to pay off debt?"

  "When do I talk about money when I'm dating?"

  "Should I file bankruptcy after getting divorced?"

  "How do we protect my step-kids from financial doom?"

  "What should I do with a large settlement?"

  "I'm $800k in debt and don't know where to start"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🎟️ <a href="https://ter.li/xs5jpe">⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I get started when I feel stuck, weak, and ashamed due to my pornography addiction?"</li>
  <li>"How do I choose a beneficiary for my estate?"</li>
  <li>"Do I need to put 20% down on a house?"</li>
  <li>"My house is 51% of my income, how can I pay it off quickly?"</li>
  <li>"Should I cash out my investments to pay off an unexpected debt?"</li>
  <li>"Should we use money from our kids' savings to pay off debt?"</li>
  <li>"When do I talk about money when I'm dating?"</li>
  <li>"Should I file bankruptcy after getting divorced?"</li>
  <li>"How do we protect my step-kids from financial doom?"</li>
  <li>"What should I do with a large settlement?"</li>
  <li>"I'm $800k in debt and don't know where to start"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>☮️ <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class.⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
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<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6833</itunes:duration>
      <guid isPermaLink="false"><![CDATA[dabe336e-6644-11f0-af2b-df06597a923c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3203476111.mp3?updated=1753110948" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money Issues Aren't the Problem, They’re the Symptom</title>
      <description>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠



Ken Coleman  and Jade Warshaw answer your questions and discuss:


  "My husband has been hiding money from me while I've been paying for groceries with a credit card. What should I do?"

  "My job requires a lot of travel. How can I break the cycle of being upside down on my car?"

  "I'm financially starting over after leaving a toxic relationship."

  "I'm about to be foreclosed on, what should I do?"

  "Should I use a debt repayment program?"

  "Why should we keep contributing to our IRA's?"

  "Can we afford botox?"

  "Should we purchase a van even if it depletes our emergency fund?"

  "Should I focus on retirement while paying off my car?"

  "Our child was just diagnosed with cancer, should we pause paying off debt while we fight this?"

  "How should my mom invest $100K to live on in retirement?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 15 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠



Ken Coleman  and Jade Warshaw answer your questions and discuss:


  "My husband has been hiding money from me while I've been paying for groceries with a credit card. What should I do?"

  "My job requires a lot of travel. How can I break the cycle of being upside down on my car?"

  "I'm financially starting over after leaving a toxic relationship."

  "I'm about to be foreclosed on, what should I do?"

  "Should I use a debt repayment program?"

  "Why should we keep contributing to our IRA's?"

  "Can we afford botox?"

  "Should we purchase a van even if it depletes our emergency fund?"

  "Should I focus on retirement while paying off my car?"

  "Our child was just diagnosed with cancer, should we pause paying off debt while we fight this?"

  "How should my mom invest $100K to live on in retirement?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman  and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"My husband has been hiding money from me while I've been paying for groceries with a credit card. What should I do?"</li>
  <li>"My job requires a lot of travel. How can I break the cycle of being upside down on my car?"</li>
  <li>"I'm financially starting over after leaving a toxic relationship."</li>
  <li>"I'm about to be foreclosed on, what should I do?"</li>
  <li>"Should I use a debt repayment program?"</li>
  <li>"Why should we keep contributing to our IRA's?"</li>
  <li>"Can we afford botox?"</li>
  <li>"Should we purchase a van even if it depletes our emergency fund?"</li>
  <li>"Should I focus on retirement while paying off my car?"</li>
  <li>"Our child was just diagnosed with cancer, should we pause paying off debt while we fight this?"</li>
  <li>"How should my mom invest $100K to live on in retirement?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/qz04pj">⁠Free Tools &amp; Resources to Help You with Investing and Retirement!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6880</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d7f1841a-6644-11f0-af2b-e3c5f5bcc650]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4636811473.mp3?updated=1753110937" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Life Happens — Don’t Let It Wreck Your Finances</title>
      <description>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I financially plan for a marital separation knowing my husband is an addict?"

  "Have I overcomplicated my finances?"

  "Am I holding myself back by staying with my boyfriend?"

  "Should I still be the co-owner on my 33-year-old unmarried son's bank accounts?"

  "Our landlord gave us 30 days to move out. Should we just finance a camper and live in that?"

  "Why is my company issued credit card showing on my personal credit report?"

  "We are underwater on our home by $45,000... what should our next step be?"

  "Can I pull credit reports on my kids due to my husband taking out credit cards in their names?"

  "My husband took the money from the sale of our home and won't share it with me. What can I legally do?"

  "Should I max out my 401(k) at the beginning of the year or spread it out?"

  "Is my dad right in saying I need a prenup to protect my house?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

⛰️ ⁠Find out your Baby Step and get a plan for your money.  ⁠

🏠 ⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

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Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 14 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I financially plan for a marital separation knowing my husband is an addict?"

  "Have I overcomplicated my finances?"

  "Am I holding myself back by staying with my boyfriend?"

  "Should I still be the co-owner on my 33-year-old unmarried son's bank accounts?"

  "Our landlord gave us 30 days to move out. Should we just finance a camper and live in that?"

  "Why is my company issued credit card showing on my personal credit report?"

  "We are underwater on our home by $45,000... what should our next step be?"

  "Can I pull credit reports on my kids due to my husband taking out credit cards in their names?"

  "My husband took the money from the sale of our home and won't share it with me. What can I legally do?"

  "Should I max out my 401(k) at the beginning of the year or spread it out?"

  "Is my dad right in saying I need a prenup to protect my house?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

⛰️ ⁠Find out your Baby Step and get a plan for your money.  ⁠

🏠 ⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

❓ ⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How do I financially plan for a marital separation knowing my husband is an addict?"</li>
  <li>"Have I overcomplicated my finances?"</li>
  <li>"Am I holding myself back by staying with my boyfriend?"</li>
  <li>"Should I still be the co-owner on my 33-year-old unmarried son's bank accounts?"</li>
  <li>"Our landlord gave us 30 days to move out. Should we just finance a camper and live in that?"</li>
  <li>"Why is my company issued credit card showing on my personal credit report?"</li>
  <li>"We are underwater on our home by $45,000... what should our next step be?"</li>
  <li>"Can I pull credit reports on my kids due to my husband taking out credit cards in their names?"</li>
  <li>"My husband took the money from the sale of our home and won't share it with me. What can I legally do?"</li>
  <li>"Should I max out my 401(k) at the beginning of the year or spread it out?"</li>
  <li>"Is my dad right in saying I need a prenup to protect my house?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠Find out your Baby Step and get a plan for your money.  ⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6783</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d8f17b68-6644-11f0-af2b-839b616a1f17]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1815847531.mp3?updated=1753110944" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Gambling with Your Future Is a Losing Game</title>
      <description>📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "My husband has gambled away almost $1,000,000"

  "I've made $1.1 million stock trading but need to know if I should cash out or risk losing it all?"

  "Should I stop contributing to retirement to focus on other goals?"

  "My uncle has not given me half of my inheritance, how do I approach him about this?"

  "How do I financially prepare to leave my husband?"

  "How do we pay off our wedding?"

  "How do I best use a life insurance pay out?"

  "Should I sell my car that breaks down often?"

  "Am I responsible to help my parents fund their retirement?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

✏️ ⁠Explore our high school personal finance and new economics curriculum.⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 13 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "My husband has gambled away almost $1,000,000"

  "I've made $1.1 million stock trading but need to know if I should cash out or risk losing it all?"

  "Should I stop contributing to retirement to focus on other goals?"

  "My uncle has not given me half of my inheritance, how do I approach him about this?"

  "How do I financially prepare to leave my husband?"

  "How do we pay off our wedding?"

  "How do I best use a life insurance pay out?"

  "Should I sell my car that breaks down often?"

  "Am I responsible to help my parents fund their retirement?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠

💵⁠⁠⁠ ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

✏️ ⁠Explore our high school personal finance and new economics curriculum.⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"My husband has gambled away almost $1,000,000"</li>
  <li>"I've made $1.1 million stock trading but need to know if I should cash out or risk losing it all?"</li>
  <li>"Should I stop contributing to retirement to focus on other goals?"</li>
  <li>"My uncle has not given me half of my inheritance, how do I approach him about this?"</li>
  <li>"How do I financially prepare to leave my husband?"</li>
  <li>"How do we pay off our wedding?"</li>
  <li>"How do I best use a life insurance pay out?"</li>
  <li>"Should I sell my car that breaks down often?"</li>
  <li>"Am I responsible to help my parents fund their retirement?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>✏️ <a href="https://ter.li/4hp96j">⁠Explore our high school personal finance and new economics curriculum.⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
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<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
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    <item>
      <title>Take Control Of Your Money Before It Takes Control Of You</title>
      <description>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "When can I slow down from working 76 hours per week?"

  "How do we budget for a large expense while paying off debt?"

  "Should we change our will since we disagree with our son's life choices?"

  "We're trying to work the Baby Steps but can't seem to get ahead..."

  "I'm struggling to make payments on my bankruptcy..."

  "How do I teach my 19-year-old to handle money?"

  "How can I get my wife to use her inheritance to pay down debt?"

  "I'm $100k in debt. How do I tackle this?"

  "How much should I charge my son for rent?"

  "We can't seem to get back on track after going through a tragedy..."




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

💵⁠⁠⁠ ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

📱 ⁠Get episodes early in the free Ramsey Network app!⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 12 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "When can I slow down from working 76 hours per week?"

  "How do we budget for a large expense while paying off debt?"

  "Should we change our will since we disagree with our son's life choices?"

  "We're trying to work the Baby Steps but can't seem to get ahead..."

  "I'm struggling to make payments on my bankruptcy..."

  "How do I teach my 19-year-old to handle money?"

  "How can I get my wife to use her inheritance to pay down debt?"

  "I'm $100k in debt. How do I tackle this?"

  "How much should I charge my son for rent?"

  "We can't seem to get back on track after going through a tragedy..."




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

💵⁠⁠⁠ ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

📱 ⁠Get episodes early in the free Ramsey Network app!⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

🤔 ⁠Will an online will work for you? Take this quiz to find out⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"When can I slow down from working 76 hours per week?"</li>
  <li>"How do we budget for a large expense while paying off debt?"</li>
  <li>"Should we change our will since we disagree with our son's life choices?"</li>
  <li>"We're trying to work the Baby Steps but can't seem to get ahead..."</li>
  <li>"I'm struggling to make payments on my bankruptcy..."</li>
  <li>"How do I teach my 19-year-old to handle money?"</li>
  <li>"How can I get my wife to use her inheritance to pay down debt?"</li>
  <li>"I'm $100k in debt. How do I tackle this?"</li>
  <li>"How much should I charge my son for rent?"</li>
  <li>"We can't seem to get back on track after going through a tragedy..."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠</a>.</p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠Get episodes early in the free Ramsey Network app!⁠</a></p>
<p>🛡️ <a href="https://ter.li/d66d2u">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💗 <a href="https://ter.li/14x4ek">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p><strong>🤔 </strong><a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6696</itunes:duration>
      <guid isPermaLink="false"><![CDATA[da19e0a2-6644-11f0-af2b-9363e1f349b0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8447769152.mp3?updated=1753110946" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Protect Your Wallet From Other People’s Chaos</title>
      <description>📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should we change our financial advisor  of 40 years?"

  "My parents are using my younger siblings' money to supplement their income"

  "Should I go back to school to be an architect?"

  "What should I do with my military sign-on bonus?"

  "Should we keep saving to pay cash for a house?"

  "Should I sell my whole life policy to pay off debt?"

  "We're $600k in debt, can we still afford to buy a house?"

  "Should I fire the manager of my business?"

  "Should I buy a car to qualify for my company's reimbursement program?"

  "How do I make a career change at 56 years old?"

  "Should my dad take money out of his retirement to fund my sister's kids' 529 plans?"

  "I own two bakeries and one is struggling. Should I focus on the successful bakery?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵⁠⁠⁠ ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

❓ ⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Mon, 11 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should we change our financial advisor  of 40 years?"

  "My parents are using my younger siblings' money to supplement their income"

  "Should I go back to school to be an architect?"

  "What should I do with my military sign-on bonus?"

  "Should we keep saving to pay cash for a house?"

  "Should I sell my whole life policy to pay off debt?"

  "We're $600k in debt, can we still afford to buy a house?"

  "Should I fire the manager of my business?"

  "Should I buy a car to qualify for my company's reimbursement program?"

  "How do I make a career change at 56 years old?"

  "Should my dad take money out of his retirement to fund my sister's kids' 529 plans?"

  "I own two bakeries and one is struggling. Should I focus on the successful bakery?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💵⁠⁠⁠ ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

❓ ⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should we change our financial advisor  of 40 years?"</li>
  <li>"My parents are using my younger siblings' money to supplement their income"</li>
  <li>"Should I go back to school to be an architect?"</li>
  <li>"What should I do with my military sign-on bonus?"</li>
  <li>"Should we keep saving to pay cash for a house?"</li>
  <li>"Should I sell my whole life policy to pay off debt?"</li>
  <li>"We're $600k in debt, can we still afford to buy a house?"</li>
  <li>"Should I fire the manager of my business?"</li>
  <li>"Should I buy a car to qualify for my company's reimbursement program?"</li>
  <li>"How do I make a career change at 56 years old?"</li>
  <li>"Should my dad take money out of his retirement to fund my sister's kids' 529 plans?"</li>
  <li>"I own two bakeries and one is struggling. Should I focus on the successful bakery?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠</a>.</p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>💵⁠⁠⁠ <u>⁠</u><a href="https://ter.li/tjytcg">⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>.</p>
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<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6708</itunes:duration>
      <guid isPermaLink="false"><![CDATA[da9765ea-6644-11f0-af2b-5faa6235db57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9907890708.mp3?updated=1753110947" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There's No Financial Progress Without A Plan </title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do I tell my husband that his mother is holding us back financially?"

  "At my age, should I prioritize my 401(k) or life insurance?"

  "What is the next right step regarding housing choices?"

  "How do I become a stay-at-home mom?"

  "My parents are trying to join a retirement community and they are charging entrance fees. Is this a legit business?"

  "Can I pause the debt snowball to get into a more fulfilling career?"

  "How do I go about taking care of my fiancée's debt while still investing?"

  "My mother-in-law is moving in with us. How do I prevent that from derailing our marriage and finances?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

❓ ⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 08 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do I tell my husband that his mother is holding us back financially?"

  "At my age, should I prioritize my 401(k) or life insurance?"

  "What is the next right step regarding housing choices?"

  "How do I become a stay-at-home mom?"

  "My parents are trying to join a retirement community and they are charging entrance fees. Is this a legit business?"

  "Can I pause the debt snowball to get into a more fulfilling career?"

  "How do I go about taking care of my fiancée's debt while still investing?"

  "My mother-in-law is moving in with us. How do I prevent that from derailing our marriage and finances?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

❓ ⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do I tell my husband that his mother is holding us back financially?"</li>
  <li>"At my age, should I prioritize my 401(k) or life insurance?"</li>
  <li>"What is the next right step regarding housing choices?"</li>
  <li>"How do I become a stay-at-home mom?"</li>
  <li>"My parents are trying to join a retirement community and they are charging entrance fees. Is this a legit business?"</li>
  <li>"Can I pause the debt snowball to get into a more fulfilling career?"</li>
  <li>"How do I go about taking care of my fiancée's debt while still investing?"</li>
  <li>"My mother-in-law is moving in with us. How do I prevent that from derailing our marriage and finances?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠</a>.</p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6822</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d7c86d5a-6644-11f0-af2b-9320e2179f25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8614733498.mp3?updated=1753110937" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can't Build Wealth While Buried In Payments  </title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  “Can I buy my mom a house and keep it from my husband?”



  Why co-signing for anyone is a horrible idea.



  Setting boundaries with your passive-aggressive family.



  Mixing family and money rarely goes well.



  The essentials of investing.



  “Should I help my son pay for college?”



  Breaking the cycle of credit card debt.



  The best way to budget on a fluctuating income.




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🏫 ⁠⁠Lead a Financial Peace University class!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 07 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  “Can I buy my mom a house and keep it from my husband?”



  Why co-signing for anyone is a horrible idea.



  Setting boundaries with your passive-aggressive family.



  Mixing family and money rarely goes well.



  The essentials of investing.



  “Should I help my son pay for college?”



  Breaking the cycle of credit card debt.



  The best way to budget on a fluctuating income.




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🏫 ⁠⁠Lead a Financial Peace University class!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>“Can I buy my mom a house and keep it from my husband?”</li>
</ul>
<ul>
  <li>Why co-signing for anyone is a horrible idea.</li>
</ul>
<ul>
  <li>Setting boundaries with your passive-aggressive family.</li>
</ul>
<ul>
  <li>Mixing family and money rarely goes well.</li>
</ul>
<ul>
  <li>The essentials of investing.</li>
</ul>
<ul>
  <li>“Should I help my son pay for college?”</li>
</ul>
<ul>
  <li>Breaking the cycle of credit card debt.</li>
</ul>
<ul>
  <li>The best way to budget on a fluctuating income.</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠</a>.</p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>🏫 <a href="https://ter.li/qifry5">⁠⁠Lead a <em>Financial Peace University</em> class!⁠</a><a href="https://ter.li/vhal7h">⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6766</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d8c75554-6644-11f0-af2b-abe1e425b74a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5626228217.mp3?updated=1753110943" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Lose the Ego, Win With Money</title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How can I get my wife on board with the Ramsey plan?" 

  "My tenant isn't paying a plumbing bill, should I pay for it?"

   "I want to pay off my debt but my parents want me to put my extra money towards my mortgage." 

  "My employer offered to pay the taxes on a leased vehicle. Is it worth it to take this deal?" 

  "How do I address a business partner who refuses to work?"

  "How do we stop wasting money on silly material purchases, even if we can afford them and are responsible with money?"

  "I'm having a hard time budgeting my fluctuating income."

  "My husband passed away and I'm only getting half of his life insurance policy while my sister-in-law is getting the other half."




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏫 ⁠⁠Lead a Financial Peace University class!⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 06 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How can I get my wife on board with the Ramsey plan?" 

  "My tenant isn't paying a plumbing bill, should I pay for it?"

   "I want to pay off my debt but my parents want me to put my extra money towards my mortgage." 

  "My employer offered to pay the taxes on a leased vehicle. Is it worth it to take this deal?" 

  "How do I address a business partner who refuses to work?"

  "How do we stop wasting money on silly material purchases, even if we can afford them and are responsible with money?"

  "I'm having a hard time budgeting my fluctuating income."

  "My husband passed away and I'm only getting half of his life insurance policy while my sister-in-law is getting the other half."




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏫 ⁠⁠Lead a Financial Peace University class!⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.

Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How can I get my wife on board with the Ramsey plan?" </li>
  <li>"My tenant isn't paying a plumbing bill, should I pay for it?"</li>
  <li> "I want to pay off my debt but my parents want me to put my extra money towards my mortgage." </li>
  <li>"My employer offered to pay the taxes on a leased vehicle. Is it worth it to take this deal?" </li>
  <li>"How do I address a business partner who refuses to work?"</li>
  <li>"How do we stop wasting money on silly material purchases, even if we can afford them and are responsible with money?"</li>
  <li>"I'm having a hard time budgeting my fluctuating income."</li>
  <li>"My husband passed away and I'm only getting half of his life insurance policy while my sister-in-law is getting the other half."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠</a>.</p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🏫 <a href="https://ter.li/qifry5">⁠⁠Lead a <em>Financial Peace University</em> class!⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/d66d2u">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>.</p>
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<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6738</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d91b4cf4-6644-11f0-af2b-575a7fac75d6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6237125316.mp3?updated=1753110944" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Panic Never Leads to Peace</title>
      <description>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should we sell our house because we were robbed?"

  "Will staying home with my kids make it hard to go back to work later?"

  "Should I fire my realtor even though she is my friend?"

  "Am I being unreasonable to want my parents to use my 529 for my kids college expenses instead of their retirement?"

  "How can I set myself up to never go back to poverty?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🏫 ⁠Lead a Financial Peace University class!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

Get started today with⁠⁠ Churchill Mortgage⁠⁠.

Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

Visit⁠⁠ NetSuite⁠⁠ today to learn more.

For more information, go to ⁠⁠SimpliSafe⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Tue, 05 Aug 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "Should we sell our house because we were robbed?"

  "Will staying home with my kids make it hard to go back to work later?"

  "Should I fire my realtor even though she is my friend?"

  "Am I being unreasonable to want my parents to use my 529 for my kids college expenses instead of their retirement?"

  "How can I set myself up to never go back to poverty?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🏫 ⁠Lead a Financial Peace University class!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

Get started today with⁠⁠ Churchill Mortgage⁠⁠.

Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

Visit⁠⁠ NetSuite⁠⁠ today to learn more.

For more information, go to ⁠⁠SimpliSafe⁠⁠.

Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.

Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should we sell our house because we were robbed?"</li>
  <li>"Will staying home with my kids make it hard to go back to work later?"</li>
  <li>"Should I fire my realtor even though she is my friend?"</li>
  <li>"Am I being unreasonable to want my parents to use my 529 for my kids college expenses instead of their retirement?"</li>
  <li>"How can I set myself up to never go back to poverty?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email</u>⁠⁠</a>.</p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>🏫 <a href="https://ter.li/qifry5">⁠Lead a Financial Peace University class!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6731</itunes:duration>
      <guid isPermaLink="false"><![CDATA[da439b54-6644-11f0-af2b-f7225af4721d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2274337501.mp3?updated=1753110946" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Being Normal, Attack Your Debt Now!</title>
      <description>📈⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I'm living off borrowed money, can I keep doing this or do I need to sell my home?"

  "My parents are about to lose their house, how can we help them without enabling them?" 

  "How much is too much to spend on a used vehicle?" 

  "How do I know if I am being too frugal?" 

  "Should my fiancé hold off buying a house until we pay off our business's SBA loan?" 

  "We are newly married, how should we go about combining finances?"

  "As a single mom, how do I get out of the credit card use cycle?"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

💵⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

❓ ⁠Will an online will work for you? Take this quiz to find out.⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠ALDI⁠.

Get 10% off your first month of⁠ BetterHelp⁠.

Go to ⁠Boost Mobile⁠ to switch today!

Learn more about⁠ Christian Healthcare Ministries⁠.

Get started today with⁠ Churchill Mortgage⁠.

Get 20% off when you join ⁠DeleteMe⁠.

Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠Health Trust Financial⁠.

Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

Visit⁠ NetSuite⁠ today to learn more.

For more information, go to ⁠SimpliSafe⁠.

Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.

Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

Visit⁠ Zander Insurance⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 04 Aug 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I'm living off borrowed money, can I keep doing this or do I need to sell my home?"

  "My parents are about to lose their house, how can we help them without enabling them?" 

  "How much is too much to spend on a used vehicle?" 

  "How do I know if I am being too frugal?" 

  "Should my fiancé hold off buying a house until we pay off our business's SBA loan?" 

  "We are newly married, how should we go about combining finances?"

  "As a single mom, how do I get out of the credit card use cycle?"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

💵⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

❓ ⁠Will an online will work for you? Take this quiz to find out.⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠ALDI⁠.

Get 10% off your first month of⁠ BetterHelp⁠.

Go to ⁠Boost Mobile⁠ to switch today!

Learn more about⁠ Christian Healthcare Ministries⁠.

Get started today with⁠ Churchill Mortgage⁠.

Get 20% off when you join ⁠DeleteMe⁠.

Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠Health Trust Financial⁠.

Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

Visit⁠ NetSuite⁠ today to learn more.

For more information, go to ⁠SimpliSafe⁠.

Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.

Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

Visit⁠ Zander Insurance⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠</u>⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"I'm living off borrowed money, can I keep doing this or do I need to sell my home?"</li>
  <li>"My parents are about to lose their house, how can we help them without enabling them?" </li>
  <li>"How much is too much to spend on a used vehicle?" </li>
  <li>"How do I know if I am being too frugal?" </li>
  <li>"Should my fiancé hold off buying a house until we pay off our business's SBA loan?" </li>
  <li>"We are newly married, how should we go about combining finances?"</li>
  <li>"As a single mom, how do I get out of the credit card use cycle?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠ <u>⁠send us an email</u>⁠</a>.</p>
<p>💵<a href="https://ter.li/vhal7h">⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>❓ <a href="https://ter.li/mtucyj">⁠Will an online will work for you? Take this quiz to find out.⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>.</p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>.</p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>.</p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>.</p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>.</p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</p>
<p>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>.</p>
<p>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>.</p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more<strong>.</strong></p>
<p>For more information, go to <a href="https://simplisafe.com">⁠<strong>SimpliSafe</strong>⁠</a>.</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>.</p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY.</p>
<p>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6750</itunes:duration>
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    </item>
    <item>
      <title>Stop Making Excuses for Bad Money Choices</title>
      <description>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I best use cash I receive from a settlement?"

  "My grandfather's inheritance wishes go against the Baby Steps"

  "Should we live with my in-laws in order to be included in their will?"

  "Should I build a large house to accommodate family that we're no estranged from?"

  "I'm $600k in debt and drowning. How do I start paying this off?"

  "I'm upside down on a car that needs serious repairs. What should I do?"

  "How do I stop investing while paying off debt?"

  "My husband thinks if I take a part time job it will set a bad example to our kids"

  "Should we use our Roth IRA to pay off our house?"




Next Steps:

💰⁠How much do you need to invest each month to retire a millionaire?⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🧠 ⁠Explore our high school personal finance and new economics curriculum.⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠



Connect with our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Fri, 01 Aug 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I best use cash I receive from a settlement?"

  "My grandfather's inheritance wishes go against the Baby Steps"

  "Should we live with my in-laws in order to be included in their will?"

  "Should I build a large house to accommodate family that we're no estranged from?"

  "I'm $600k in debt and drowning. How do I start paying this off?"

  "I'm upside down on a car that needs serious repairs. What should I do?"

  "How do I stop investing while paying off debt?"

  "My husband thinks if I take a part time job it will set a bad example to our kids"

  "Should we use our Roth IRA to pay off our house?"




Next Steps:

💰⁠How much do you need to invest each month to retire a millionaire?⁠

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🧠 ⁠Explore our high school personal finance and new economics curriculum.⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I best use cash I receive from a settlement?"</li>
  <li>"My grandfather's inheritance wishes go against the Baby Steps"</li>
  <li>"Should we live with my in-laws in order to be included in their will?"</li>
  <li>"Should I build a large house to accommodate family that we're no estranged from?"</li>
  <li>"I'm $600k in debt and drowning. How do I start paying this off?"</li>
  <li>"I'm upside down on a car that needs serious repairs. What should I do?"</li>
  <li>"How do I stop investing while paying off debt?"</li>
  <li>"My husband thinks if I take a part time job it will set a bad example to our kids"</li>
  <li>"Should we use our Roth IRA to pay off our house?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>💰<a href="https://ter.li/quxfht">⁠How much do you need to invest each month to retire a millionaire?⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠</a> <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>🧠 <a href="https://ter.li/4hp96j">⁠Explore our high school personal finance and new economics curriculum.⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6812</itunes:duration>
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    </item>
    <item>
      <title>Shortcuts Today Lead to Setbacks Tomorrow</title>
      <description>💰⁠How much do you need to invest each month to retire a millionaire?⁠



Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "Can I learn to manage my money and get my family back?"

  "I want to close our credit cards but my husband doesn't."

  "Should I take a job offer that is further away from home but has a higher salary?"

  "How do I plan for having a baby with Downs Syndrome?"

  "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?"

  "Am I being cheap for wanting to buy a lab-grown engagement ring?"

  "My wife does not know how to save. How can we get financially aligned?"

  "How do I manage business travel expenses that are reimbursed without using a credit card?"

  "Whose student loans should we pay off first?"

  "How do you recommend telling a whole life insurance agent no?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠

📖 ⁠Your Total Money Makeover starts here.⁠

💗 ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Thu, 31 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>💰⁠How much do you need to invest each month to retire a millionaire?⁠



Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "Can I learn to manage my money and get my family back?"

  "I want to close our credit cards but my husband doesn't."

  "Should I take a job offer that is further away from home but has a higher salary?"

  "How do I plan for having a baby with Downs Syndrome?"

  "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?"

  "Am I being cheap for wanting to buy a lab-grown engagement ring?"

  "My wife does not know how to save. How can we get financially aligned?"

  "How do I manage business travel expenses that are reimbursed without using a credit card?"

  "Whose student loans should we pay off first?"

  "How do you recommend telling a whole life insurance agent no?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠

📖 ⁠Your Total Money Makeover starts here.⁠

💗 ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


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  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>💰<a href="https://ter.li/quxfht">⁠How much do you need to invest each month to retire a millionaire?⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Can I learn to manage my money and get my family back?"</li>
  <li>"I want to close our credit cards but my husband doesn't."</li>
  <li>"Should I take a job offer that is further away from home but has a higher salary?"</li>
  <li>"How do I plan for having a baby with Downs Syndrome?"</li>
  <li>"I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?"</li>
  <li>"Am I being cheap for wanting to buy a lab-grown engagement ring?"</li>
  <li>"My wife does not know how to save. How can we get financially aligned?"</li>
  <li>"How do I manage business travel expenses that are reimbursed without using a credit card?"</li>
  <li>"Whose student loans should we pay off first?"</li>
  <li>"How do you recommend telling a whole life insurance agent no?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🏠 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6793</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c8ed3592-52d3-11f0-adf3-63de59fde2bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3072173494.mp3?updated=1750973306" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Let Go of Others Expectations and Take Control of Your Own Future</title>
      <description>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Is it legal as a wife for me to protect my finances by opening an account separate from my husband? "

  "We have $0 in savings and are barely scraping by. Would furthering my education help me make more money?"

  "My In-laws are not financially literate and have no retirement savings. How do we give them a reality check?"

  "My family is pressuring me to become a lawyer but I'm not sure I want to take on that much school debt"

  "My dad owns $12 million in real estate. Should my husband and I start saving to buy out my siblings in the inheritance?"

  "Should we tackle our 401(k) loan first?"

  "Do you have any advice for a wife whose husband won't share finances even thought she's great with money?"

  "I need a higher paying job, should I give up my company vehicle even though I don't have a car?"

  "Should we hold onto a property or cash out now?"

  "If everyone spent less and saved more wouldn’t that hurt the economy because stocks would tank and jobs would be lost without that money coming in?"

  "How can I convince my husband we can't live on just Social Security?"

  "Can I use a credit card for cash back and just pay it off every month?"

  "I'm 28 years-old and still struggling with financial stability"

  "We need a new car but I can't stomach spending $30k"

  "Can I afford to move out of my parent's house now that I'm debt-free?"

  "I have debt in my name but I am not the one paying on it. Should I still tackle it myself?"

  "Can my husband and I afford a lake house?"

  "Should we accept a first-time home buyer benefit program?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💗 ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 30 Jul 2025 21:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Is it legal as a wife for me to protect my finances by opening an account separate from my husband? "

  "We have $0 in savings and are barely scraping by. Would furthering my education help me make more money?"

  "My In-laws are not financially literate and have no retirement savings. How do we give them a reality check?"

  "My family is pressuring me to become a lawyer but I'm not sure I want to take on that much school debt"

  "My dad owns $12 million in real estate. Should my husband and I start saving to buy out my siblings in the inheritance?"

  "Should we tackle our 401(k) loan first?"

  "Do you have any advice for a wife whose husband won't share finances even thought she's great with money?"

  "I need a higher paying job, should I give up my company vehicle even though I don't have a car?"

  "Should we hold onto a property or cash out now?"

  "If everyone spent less and saved more wouldn’t that hurt the economy because stocks would tank and jobs would be lost without that money coming in?"

  "How can I convince my husband we can't live on just Social Security?"

  "Can I use a credit card for cash back and just pay it off every month?"

  "I'm 28 years-old and still struggling with financial stability"

  "We need a new car but I can't stomach spending $30k"

  "Can I afford to move out of my parent's house now that I'm debt-free?"

  "I have debt in my name but I am not the one paying on it. Should I still tackle it myself?"

  "Can my husband and I afford a lake house?"

  "Should we accept a first-time home buyer benefit program?"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

💗 ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Is it legal as a wife for me to protect my finances by opening an account separate from my husband? "</li>
  <li>"We have $0 in savings and are barely scraping by. Would furthering my education help me make more money?"</li>
  <li>"My In-laws are not financially literate and have no retirement savings. How do we give them a reality check?"</li>
  <li>"My family is pressuring me to become a lawyer but I'm not sure I want to take on that much school debt"</li>
  <li>"My dad owns $12 million in real estate. Should my husband and I start saving to buy out my siblings in the inheritance?"</li>
  <li>"Should we tackle our 401(k) loan first?"</li>
  <li>"Do you have any advice for a wife whose husband won't share finances even thought she's great with money?"</li>
  <li>"I need a higher paying job, should I give up my company vehicle even though I don't have a car?"</li>
  <li>"Should we hold onto a property or cash out now?"</li>
  <li>"If everyone spent less and saved more wouldn’t that hurt the economy because stocks would tank and jobs would be lost without that money coming in?"</li>
  <li>"How can I convince my husband we can't live on just Social Security?"</li>
  <li>"Can I use a credit card for cash back and just pay it off every month?"</li>
  <li>"I'm 28 years-old and still struggling with financial stability"</li>
  <li>"We need a new car but I can't stomach spending $30k"</li>
  <li>"Can I afford to move out of my parent's house now that I'm debt-free?"</li>
  <li>"I have debt in my name but I am not the one paying on it. Should I still tackle it myself?"</li>
  <li>"Can my husband and I afford a lake house?"</li>
  <li>"Should we accept a first-time home buyer benefit program?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6727</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c89d09aa-52d3-11f0-adf3-878c32623710]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1871146704.mp3?updated=1753910460" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>More Debt Always Equals More Risk</title>
      <description>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I help my grandma get into an apartment without co-signing?"

  "How do I best use unlimited overtime?"

  "Where should I keep the inheritance my dad left for my children?"

  "We disagree on who should pay for my mom's plane ticket when she comes to visit"

  "Can we afford a boat?"

  "How do we follow the Baby Steps while putting my husband through school?"

  "Should I invest in real estate before paying off debt?"

  "How do I break the cycle of living paycheck-to-paycheck?"

  "What is a reasonable financial goal after paying off my house?"

  "Am I wrong to feel like my in-laws are enabling my wife?"

  "How can I get ahead in today's economy?"

  "Is it okay to stop tithing to pay off debt?"

  "Should we prioritize a $400k remodel over paying off the mortgage?"

  "I have a $3m net worth but I struggle to spend anything"

  "My husband lost his job 7 months ago and we haven't gotten back on our feet"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🧠 ⁠Explore our high school personal finance and new economics curriculum.⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


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  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 29 Jul 2025 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I help my grandma get into an apartment without co-signing?"

  "How do I best use unlimited overtime?"

  "Where should I keep the inheritance my dad left for my children?"

  "We disagree on who should pay for my mom's plane ticket when she comes to visit"

  "Can we afford a boat?"

  "How do we follow the Baby Steps while putting my husband through school?"

  "Should I invest in real estate before paying off debt?"

  "How do I break the cycle of living paycheck-to-paycheck?"

  "What is a reasonable financial goal after paying off my house?"

  "Am I wrong to feel like my in-laws are enabling my wife?"

  "How can I get ahead in today's economy?"

  "Is it okay to stop tithing to pay off debt?"

  "Should we prioritize a $400k remodel over paying off the mortgage?"

  "I have a $3m net worth but I struggle to spend anything"

  "My husband lost his job 7 months ago and we haven't gotten back on our feet"


Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

📖 ⁠Your Total Money Makeover starts here.⁠

🧠 ⁠Explore our high school personal finance and new economics curriculum.⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I help my grandma get into an apartment without co-signing?"</li>
  <li>"How do I best use unlimited overtime?"</li>
  <li>"Where should I keep the inheritance my dad left for my children?"</li>
  <li>"We disagree on who should pay for my mom's plane ticket when she comes to visit"</li>
  <li>"Can we afford a boat?"</li>
  <li>"How do we follow the Baby Steps while putting my husband through school?"</li>
  <li>"Should I invest in real estate before paying off debt?"</li>
  <li>"How do I break the cycle of living paycheck-to-paycheck?"</li>
  <li>"What is a reasonable financial goal after paying off my house?"</li>
  <li>"Am I wrong to feel like my in-laws are enabling my wife?"</li>
  <li>"How can I get ahead in today's economy?"</li>
  <li>"Is it okay to stop tithing to pay off debt?"</li>
  <li>"Should we prioritize a $400k remodel over paying off the mortgage?"</li>
  <li>"I have a $3m net worth but I struggle to spend anything"</li>
  <li>"My husband lost his job 7 months ago and we haven't gotten back on our feet"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>🧠 <a href="https://ter.li/4hp96j">⁠Explore our high school personal finance and new economics curriculum.⁠</a></p>
<p>🏠 <a href="https://ter.li/cqb1tl">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6837</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c8c563e6-52d3-11f0-adf3-bb06286b2204]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2122395235.mp3?updated=1753940061" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Expecting Different Results From the Same Mistakes</title>
      <description>📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "As a single mom of 2, how do I pay off $130,000 of debt?"

  "Should we sell an annuity while in Baby Step 2?"

  "Should we use our stocks to throw $150,000 at the mortgage?"

  "I'm 70 and don't have a will or a trust. Which is the best option?"

  "When should I prioritize starting my own business?"

  "We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?"

  "What do I do with the inheritance my ex-husband left me?"

  "Is rent-to-buy a good way to accelerate home ownership?"

  "Should I file for bankruptcy?"

  "How can I protect my investments from being used for spousal long-term care?"

  "How do I possibly get my wife on the same page when it comes to cutting our expenses?"

  "I lied to my husband about our business's finances until it was too late. How can I make this right with him?"

  "Should I use my 401(k) to do updates to my home before selling it?"

  "I'm 39 and living paycheck-to-paycheck. How do I get out of this?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠



Connect with our Sponsors:


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  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Mon, 28 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "As a single mom of 2, how do I pay off $130,000 of debt?"

  "Should we sell an annuity while in Baby Step 2?"

  "Should we use our stocks to throw $150,000 at the mortgage?"

  "I'm 70 and don't have a will or a trust. Which is the best option?"

  "When should I prioritize starting my own business?"

  "We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?"

  "What do I do with the inheritance my ex-husband left me?"

  "Is rent-to-buy a good way to accelerate home ownership?"

  "Should I file for bankruptcy?"

  "How can I protect my investments from being used for spousal long-term care?"

  "How do I possibly get my wife on the same page when it comes to cutting our expenses?"

  "I lied to my husband about our business's finances until it was too late. How can I make this right with him?"

  "Should I use my 401(k) to do updates to my home before selling it?"

  "I'm 39 and living paycheck-to-paycheck. How do I get out of this?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"As a single mom of 2, how do I pay off $130,000 of debt?"</li>
  <li>"Should we sell an annuity while in Baby Step 2?"</li>
  <li>"Should we use our stocks to throw $150,000 at the mortgage?"</li>
  <li>"I'm 70 and don't have a will or a trust. Which is the best option?"</li>
  <li>"When should I prioritize starting my own business?"</li>
  <li>"We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?"</li>
  <li>"What do I do with the inheritance my ex-husband left me?"</li>
  <li>"Is rent-to-buy a good way to accelerate home ownership?"</li>
  <li>"Should I file for bankruptcy?"</li>
  <li>"How can I protect my investments from being used for spousal long-term care?"</li>
  <li>"How do I possibly get my wife on the same page when it comes to cutting our expenses?"</li>
  <li>"I lied to my husband about our business's finances until it was too late. How can I make this right with him?"</li>
  <li>"Should I use my 401(k) to do updates to my home before selling it?"</li>
  <li>"I'm 39 and living paycheck-to-paycheck. How do I get out of this?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🏠 <a href="https://ter.li/jep2e5">⁠Get organized and prepared to buy or sell a home. ⁠</a><a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
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</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6774</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c8747152-52d3-11f0-adf3-3b0cd829b0b3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9578357903.mp3?updated=1753738972" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Debt Won’t Fix What Discipline Can</title>
      <description>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "How do we recover from 2 hurricanes and being sued by credit card companies?"

  "How do we handle debt now that our financial situation has changed?"

  "How can we travel outside of the country without a credit card?"

  "Should I use a $400k settlement to pay off a bankruptcy?"

  "How do I get my husband on board with the Baby Steps?"

  "My 15-year-old daughter is an influencer and has saved $100k for a car. How much should she spend?"

  "Should I pay off my house before retirement?"

  "Was buying a mobile home a mistake?"

  "My husband gave away all of our retirement money in a scam,"



  "Should I pay off my debt before going back to school?"

  "My daughter is paying me back $50k. How do I make sure I'm responsible with this cash coming in?"

  "Can we pay for a honeymoon while on Baby Step 3?"

  "Am I a burden to my husband?"

  "Do I make enough money to move out on my own?"




Next Steps:

🏡 ⁠Check out our Mortgage Calculator ⁠

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Fri, 25 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Jade Warshaw and Rachel Cruze answer your questions and discuss:


  "How do we recover from 2 hurricanes and being sued by credit card companies?"

  "How do we handle debt now that our financial situation has changed?"

  "How can we travel outside of the country without a credit card?"

  "Should I use a $400k settlement to pay off a bankruptcy?"

  "How do I get my husband on board with the Baby Steps?"

  "My 15-year-old daughter is an influencer and has saved $100k for a car. How much should she spend?"

  "Should I pay off my house before retirement?"

  "Was buying a mobile home a mistake?"

  "My husband gave away all of our retirement money in a scam,"



  "Should I pay off my debt before going back to school?"

  "My daughter is paying me back $50k. How do I make sure I'm responsible with this cash coming in?"

  "Can we pay for a honeymoon while on Baby Step 3?"

  "Am I a burden to my husband?"

  "Do I make enough money to move out on my own?"




Next Steps:

🏡 ⁠Check out our Mortgage Calculator ⁠

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How do we recover from 2 hurricanes and being sued by credit card companies?"</li>
  <li>"How do we handle debt now that our financial situation has changed?"</li>
  <li>"How can we travel outside of the country without a credit card?"</li>
  <li>"Should I use a $400k settlement to pay off a bankruptcy?"</li>
  <li>"How do I get my husband on board with the Baby Steps?"</li>
  <li>"My 15-year-old daughter is an influencer and has saved $100k for a car. How much should she spend?"</li>
  <li>"Should I pay off my house before retirement?"</li>
  <li>"Was buying a mobile home a mistake?"</li>
  <li>"My husband gave away all of our retirement money in a scam,"</li>
</ul>
<ul>
  <li>"Should I pay off my debt before going back to school?"</li>
  <li>"My daughter is paying me back $50k. How do I make sure I'm responsible with this cash coming in?"</li>
  <li>"Can we pay for a honeymoon while on Baby Step 3?"</li>
  <li>"Am I a burden to my husband?"</li>
  <li>"Do I make enough money to move out on my own?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>🏡 <a href="https://ter.li/33pc74">⁠Check out our Mortgage Calculator ⁠</a></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p>📈 <a href="https://ter.li/jkfgcn">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6825</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c707b900-52d3-11f0-adf3-e7e1a078f6d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6758217823.mp3?updated=1753939632" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Borrow Your Way to Peace</title>
      <description>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "Why is it better to pay off my mortgage early instead of investing $300,000?"

  "Can I do a Roth 401(k) and a Roth IRA at the same time?"

  "I feel stuck between working the Baby Steps and taking care of a sick parent"

  "How do we best invest $100k?"

  "I'm $240k in debt. What is the best way to live below my means?"

  "I owe the IRS $30k. How do I pay this off?"

  "I'm spending $1,400 a month on car payments. How do I get out of this mess?"

  "How much house can I afford?"

  "Should I hold on to savings or pay off $700k in real estate debt?"

  "Am I being stupid by not investing my money?"

  "How do I prevent my kids from feeling left out?"

  "Should I use a HELOC to consolidate my debt?"

  "How do we prepare for our special needs son to be taken care of?"

  "I've been paying on my student loans for 22 years. Should I wait 3 more years for student loan forgiveness?"

  "I'm in business debt due to check fraud..."




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 24 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "Why is it better to pay off my mortgage early instead of investing $300,000?"

  "Can I do a Roth 401(k) and a Roth IRA at the same time?"

  "I feel stuck between working the Baby Steps and taking care of a sick parent"

  "How do we best invest $100k?"

  "I'm $240k in debt. What is the best way to live below my means?"

  "I owe the IRS $30k. How do I pay this off?"

  "I'm spending $1,400 a month on car payments. How do I get out of this mess?"

  "How much house can I afford?"

  "Should I hold on to savings or pay off $700k in real estate debt?"

  "Am I being stupid by not investing my money?"

  "How do I prevent my kids from feeling left out?"

  "Should I use a HELOC to consolidate my debt?"

  "How do we prepare for our special needs son to be taken care of?"

  "I've been paying on my student loans for 22 years. Should I wait 3 more years for student loan forgiveness?"

  "I'm in business debt due to check fraud..."




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Why is it better to pay off my mortgage early instead of investing $300,000?"</li>
  <li>"Can I do a Roth 401(k) and a Roth IRA at the same time?"</li>
  <li>"I feel stuck between working the Baby Steps and taking care of a sick parent"</li>
  <li>"How do we best invest $100k?"</li>
  <li>"I'm $240k in debt. What is the best way to live below my means?"</li>
  <li>"I owe the IRS $30k. How do I pay this off?"</li>
  <li>"I'm spending $1,400 a month on car payments. How do I get out of this mess?"</li>
  <li>"How much house can I afford?"</li>
  <li>"Should I hold on to savings or pay off $700k in real estate debt?"</li>
  <li>"Am I being stupid by not investing my money?"</li>
  <li>"How do I prevent my kids from feeling left out?"</li>
  <li>"Should I use a HELOC to consolidate my debt?"</li>
  <li>"How do we prepare for our special needs son to be taken care of?"</li>
  <li>"I've been paying on my student loans for 22 years. Should I wait 3 more years for student loan forgiveness?"</li>
  <li>"I'm in business debt due to check fraud..."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/etkl68">⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/7ev5l5">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
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  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6833</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c732c41a-52d3-11f0-adf3-a3b660cd95ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7595720957.mp3?updated=1753939632" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Settle for Living Paycheck to Paycheck</title>
      <description>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How do I navigate $1.8M in debt with no income?"

  "My employment is directly tied to my FICO score. How can I pay off debt and keep a good score?"

  "I'm 51 with no retirement savings and I am currently carrying my daughter's student loans I cosigned on..."

  "Is it too late for a 47-year-old man to find financial peace?"

  "My husband's gambling has us late on our bills. Do I have to go back to work, or can I still be a stay-at-home mom?"

  "Our advisor is telling us to take out a HELOC on our vacation home to invest and supplement our income"

  "How can I convince my wife that we don't need to invest while paying off debt?"

  "How do we navigate family dynamics without seeming like the cheap family?"

  "How do we wisely manage a $100K gift from my parents?"

  "I was recently diagnosed with a rare cancer, how do I get my finances in order?"

  "I'm $400,000 in debt, at what point should I declare bankruptcy?"

  "We're debt-free, can we afford to buy a business?"

  "What's the best way to invest our 15 year old son's earnings?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 23 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How do I navigate $1.8M in debt with no income?"

  "My employment is directly tied to my FICO score. How can I pay off debt and keep a good score?"

  "I'm 51 with no retirement savings and I am currently carrying my daughter's student loans I cosigned on..."

  "Is it too late for a 47-year-old man to find financial peace?"

  "My husband's gambling has us late on our bills. Do I have to go back to work, or can I still be a stay-at-home mom?"

  "Our advisor is telling us to take out a HELOC on our vacation home to invest and supplement our income"

  "How can I convince my wife that we don't need to invest while paying off debt?"

  "How do we navigate family dynamics without seeming like the cheap family?"

  "How do we wisely manage a $100K gift from my parents?"

  "I was recently diagnosed with a rare cancer, how do I get my finances in order?"

  "I'm $400,000 in debt, at what point should I declare bankruptcy?"

  "We're debt-free, can we afford to buy a business?"

  "What's the best way to invest our 15 year old son's earnings?"




Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do I navigate $1.8M in debt with no income?"</li>
  <li>"My employment is directly tied to my FICO score. How can I pay off debt and keep a good score?"</li>
  <li>"I'm 51 with no retirement savings and I am currently carrying my daughter's student loans I cosigned on..."</li>
  <li>"Is it too late for a 47-year-old man to find financial peace?"</li>
  <li>"My husband's gambling has us late on our bills. Do I have to go back to work, or can I still be a stay-at-home mom?"</li>
  <li>"Our advisor is telling us to take out a HELOC on our vacation home to invest and supplement our income"</li>
  <li>"How can I convince my wife that we don't need to invest while paying off debt?"</li>
  <li>"How do we navigate family dynamics without seeming like the cheap family?"</li>
  <li>"How do we wisely manage a $100K gift from my parents?"</li>
  <li>"I was recently diagnosed with a rare cancer, how do I get my finances in order?"</li>
  <li>"I'm $400,000 in debt, at what point should I declare bankruptcy?"</li>
  <li>"We're debt-free, can we afford to buy a business?"</li>
  <li>"What's the best way to invest our 15 year old son's earnings?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>📈 <a href="https://ter.li/7ev5l5">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6833</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c78354c0-52d3-11f0-adf3-6fc10660cc7d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4876509794.mp3?updated=1753939691" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You'll Never Build a Strong Future On A Shaky Foundation</title>
      <description>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "What's the best way to teach our adopted daughter financial responsibility?"

  "How do I navigate my finances after a divorce?"

  "Can I invest in a side hustle while in Baby Step 2?"

  "Should I pay off my $400,000 business loan?"

  "My parents don't support my dream of becoming a fire fighter"

  "My husband hid $75,000 of debt from me and won't talk about it. Can our marriage survive this?"

  "We won $1M on a scratch off and wonder what our first steps should be."

  "I'm 26 and drowning in $250,000 of debt, how do I get out of this?"

  "Is it time to call it quits on my business?"

  "I'm my mother's power of attorney, what should I do with her investments?"

  "I'm 64 with $80,000 in retirement and I was just laid off, what do I do next?"

  "Should I refinance my house to build a rental on my property?"

  "Do I keep fighting for my dad’s business or walk away?"

  "The home we purchased is costing more than we anticipated. How do we financially attack this while paying off debt?"


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


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  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 22 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "What's the best way to teach our adopted daughter financial responsibility?"

  "How do I navigate my finances after a divorce?"

  "Can I invest in a side hustle while in Baby Step 2?"

  "Should I pay off my $400,000 business loan?"

  "My parents don't support my dream of becoming a fire fighter"

  "My husband hid $75,000 of debt from me and won't talk about it. Can our marriage survive this?"

  "We won $1M on a scratch off and wonder what our first steps should be."

  "I'm 26 and drowning in $250,000 of debt, how do I get out of this?"

  "Is it time to call it quits on my business?"

  "I'm my mother's power of attorney, what should I do with her investments?"

  "I'm 64 with $80,000 in retirement and I was just laid off, what do I do next?"

  "Should I refinance my house to build a rental on my property?"

  "Do I keep fighting for my dad’s business or walk away?"

  "The home we purchased is costing more than we anticipated. How do we financially attack this while paying off debt?"


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"What's the best way to teach our adopted daughter financial responsibility?"</li>
  <li>"How do I navigate my finances after a divorce?"</li>
  <li>"Can I invest in a side hustle while in Baby Step 2?"</li>
  <li>"Should I pay off my $400,000 business loan?"</li>
  <li>"My parents don't support my dream of becoming a fire fighter"</li>
  <li>"My husband hid $75,000 of debt from me and won't talk about it. Can our marriage survive this?"</li>
  <li>"We won $1M on a scratch off and wonder what our first steps should be."</li>
  <li>"I'm 26 and drowning in $250,000 of debt, how do I get out of this?"</li>
  <li>"Is it time to call it quits on my business?"</li>
  <li>"I'm my mother's power of attorney, what should I do with her investments?"</li>
  <li>"I'm 64 with $80,000 in retirement and I was just laid off, what do I do next?"</li>
  <li>"Should I refinance my house to build a rental on my property?"</li>
  <li>"Do I keep fighting for my dad’s business or walk away?"</li>
  <li>"The home we purchased is costing more than we anticipated. How do we financially attack this while paying off debt?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>📈 <a href="https://ter.li/jkfgcn">⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/etkl68">⁠⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6807</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c7fc7a94-52d3-11f0-adf3-97f77ba759a8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2934586093.mp3?updated=1753939774" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's Not Too Late To Become a Millionaire</title>
      <description>📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"

  "Is 0% financing better than pulling from my 401(k)?"

  "My parents lied to me about my student loans being paid off. Am I still responsible to pay?"

  "I was misled by my financial advisor. How do I get back on track?"

  "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"

  "Should I take out a loan to consolidate my credit card?"

  "How much should I put down on a second property?"

  "Can we afford for me to stay at home now?"

  "My husband lost $200k day trading. How do I get him to follow the Baby Steps?"

  "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 21 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"

  "Is 0% financing better than pulling from my 401(k)?"

  "My parents lied to me about my student loans being paid off. Am I still responsible to pay?"

  "I was misled by my financial advisor. How do I get back on track?"

  "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"

  "Should I take out a loan to consolidate my credit card?"

  "How much should I put down on a second property?"

  "Can we afford for me to stay at home now?"

  "My husband lost $200k day trading. How do I get him to follow the Baby Steps?"

  "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

⛓️‍💥 ⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"</li>
  <li>"Is 0% financing better than pulling from my 401(k)?"</li>
  <li>"My parents lied to me about my student loans being paid off. Am I still responsible to pay?"</li>
  <li>"I was misled by my financial advisor. How do I get back on track?"</li>
  <li>"The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"</li>
  <li>"Should I take out a loan to consolidate my credit card?"</li>
  <li>"How much should I put down on a second property?"</li>
  <li>"Can we afford for me to stay at home now?"</li>
  <li>"My husband lost $200k day trading. How do I get him to follow the Baby Steps?"</li>
  <li>"I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
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</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
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  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
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  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
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</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6771</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c84c7c56-52d3-11f0-adf3-5b928570cb99]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6253647227.mp3?updated=1753939889" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Take Debt Off The Table And Stay The Course </title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Ken Coleman and Dr. John Delony answer your questions and discuss:


  "How do I start over after my parents stole all of my money?"

  "Should I combine finances going into my second marriage?" 

  "I'm a pilot and make purchases in multiple countries in one day. Is a debit card still my best option?"

  "My husband has excluded me from our finances for our entire marriage. Should I exit this relationship?" 

  "I'm struggling to keep my bills current. How do I stop living paycheck-to-paycheck?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

🏫 ⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 18 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Ken Coleman and Dr. John Delony answer your questions and discuss:


  "How do I start over after my parents stole all of my money?"

  "Should I combine finances going into my second marriage?" 

  "I'm a pilot and make purchases in multiple countries in one day. Is a debit card still my best option?"

  "My husband has excluded me from our finances for our entire marriage. Should I exit this relationship?" 

  "I'm struggling to keep my bills current. How do I stop living paycheck-to-paycheck?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

🏫 ⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I start over after my parents stole all of my money?"</li>
  <li>"Should I combine finances going into my second marriage?" </li>
  <li>"I'm a pilot and make purchases in multiple countries in one day. Is a debit card still my best option?"</li>
  <li>"My husband has excluded me from our finances for our entire marriage. Should I exit this relationship?" </li>
  <li>"I'm struggling to keep my bills current. How do I stop living paycheck-to-paycheck?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/etkl68">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>🏫 <a href="https://ter.li/4eya8c">⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6780</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c6de84ea-52d3-11f0-adf3-2725ed182d22]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2018268533.mp3?updated=1753939584" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Buying Things You Can't Afford - You'll Drown</title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I prepare to raise my child alone?"

  "I regret buying my home. How do I get out of it?" 

  "I took out life insurance and didn't pay for 25 years..."

  "How do I work through the Baby Steps if I'm already a millionaire?"

  "How do I sell my share of a home I own with my family?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

💲⁠Your Total Money Makeover starts here.⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

☀️⁠ Shop the summer Black Friday sale now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 17 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "How do I prepare to raise my child alone?"

  "I regret buying my home. How do I get out of it?" 

  "I took out life insurance and didn't pay for 25 years..."

  "How do I work through the Baby Steps if I'm already a millionaire?"

  "How do I sell my share of a home I own with my family?"




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

💲⁠Your Total Money Makeover starts here.⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

☀️⁠ Shop the summer Black Friday sale now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"How do I prepare to raise my child alone?"</li>
  <li>"I regret buying my home. How do I get out of it?" </li>
  <li>"I took out life insurance and didn't pay for 25 years..."</li>
  <li>"How do I work through the Baby Steps if I'm already a millionaire?"</li>
  <li>"How do I sell my share of a home I own with my family?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>💲<a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/v242ck">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>☀️<a href="https://ter.li/td2fr1">⁠ Shop the summer Black Friday sale now!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6860</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c7abc572-52d3-11f0-adf3-87c432a7b585]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3713014537.mp3?updated=1753939766" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have To Fight For Peace And Quit Living In Chaos </title>
      <description>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I get my adult children to become financially independent?"

  "I'm $200,000 in debt, should I file for bankruptcy?"

  "I'm worried about my fiancé's out-of-control spending."

  "My husband and I disagree on whether we should help our kid financially..."




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

💸 ⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway. ⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 16 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I get my adult children to become financially independent?"

  "I'm $200,000 in debt, should I file for bankruptcy?"

  "I'm worried about my fiancé's out-of-control spending."

  "My husband and I disagree on whether we should help our kid financially..."




Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

💸 ⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway. ⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How do I get my adult children to become financially independent?"</li>
  <li>"I'm $200,000 in debt, should I file for bankruptcy?"</li>
  <li>"I'm worried about my fiancé's out-of-control spending."</li>
  <li>"My husband and I disagree on whether we should help our kid financially..."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>💸 <a href="https://ter.li/4eya8c">⁠Register for the free FPU Coordinator Rally and enter the $3k giveaway.<strong> </strong>⁠</a></p>
<p>🏠 <a href="https://ter.li/etkl68">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6100</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c75ac2a8-52d3-11f0-adf3-cb5ce85f717f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2730151705.mp3?updated=1753939853" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The White House Doesn’t Decide Your Future—You Do</title>
      <description>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How do I do the Baby Steps when I can't trust my husband to commit to the plan?"

  Dave Ramsey breaks down Trump's Big Beautiful Bill (what you need to know).

  "How does escrow work and why is there always a shortage in our account?"

  "How can I find a legit online side hustle that isn't a scam?"

  "We're millionaires but we still live like we are in poverty. How do we make the switch to start spending more?"

  "I am in the middle of Baby Step 2 and I want to give up."

  "Do we keep money invested in a brokerage account or use it for a rental property we own?"

  "What's the best way to tackle $125,000 of debt with my high income?"

  "Are we stuck paying income tax on income from my husband's band?"

  "I'm a single mom and just received a large inheritance. How can I best use this money for my son and me?"

  "How do I tell my dad I don't want to buy a home with him?"

  "Should we take out a seven-figure loan to expand our dental practice?"

  "My company doesn't offer a 401(k). What should I do to invest for retirement?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠ 

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠

📖 ⁠Buy 1 Book, Get 1 Half Off!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 15 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How do I do the Baby Steps when I can't trust my husband to commit to the plan?"

  Dave Ramsey breaks down Trump's Big Beautiful Bill (what you need to know).

  "How does escrow work and why is there always a shortage in our account?"

  "How can I find a legit online side hustle that isn't a scam?"

  "We're millionaires but we still live like we are in poverty. How do we make the switch to start spending more?"

  "I am in the middle of Baby Step 2 and I want to give up."

  "Do we keep money invested in a brokerage account or use it for a rental property we own?"

  "What's the best way to tackle $125,000 of debt with my high income?"

  "Are we stuck paying income tax on income from my husband's band?"

  "I'm a single mom and just received a large inheritance. How can I best use this money for my son and me?"

  "How do I tell my dad I don't want to buy a home with him?"

  "Should we take out a seven-figure loan to expand our dental practice?"

  "My company doesn't offer a 401(k). What should I do to invest for retirement?"




Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠ 

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠

📖 ⁠Buy 1 Book, Get 1 Half Off!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠



⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"How do I do the Baby Steps when I can't trust my husband to commit to the plan?"</li>
  <li>Dave Ramsey breaks down Trump's Big Beautiful Bill (what you need to know).</li>
  <li>"How does escrow work and why is there always a shortage in our account?"</li>
  <li>"How can I find a legit online side hustle that isn't a scam?"</li>
  <li>"We're millionaires but we still live like we are in poverty. How do we make the switch to start spending more?"</li>
  <li>"I am in the middle of Baby Step 2 and I want to give up."</li>
  <li>"Do we keep money invested in a brokerage account or use it for a rental property we own?"</li>
  <li>"What's the best way to tackle $125,000 of debt with my high income?"</li>
  <li>"Are we stuck paying income tax on income from my husband's band?"</li>
  <li>"I'm a single mom and just received a large inheritance. How can I best use this money for my son and me?"</li>
  <li>"How do I tell my dad I don't want to buy a home with him?"</li>
  <li>"Should we take out a seven-figure loan to expand our dental practice?"</li>
  <li>"My company doesn't offer a 401(k). What should I do to invest for retirement?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🏠 <a href="https://ter.li/vhal7h">⁠⁠⁠</a><a href="https://ter.li/rslmjr">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>📖 <a href="https://ter.li/qwb88a">⁠Buy 1 Book, Get 1 Half Off!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠<u>The Dr. John Delony Show</u>⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠<u>Smart Money Happy Hour</u>⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠<u>The Rachel Cruze Show</u>⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠<u>George Kamel</u>⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠<u>EntreLeadership</u>⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6735</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c7d467ac-52d3-11f0-adf3-4f8e871c0220]]></guid>
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    </item>
    <item>
      <title>You Can’t Build a Future on Borrowed Money</title>
      <description>📈⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?"

  "I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?"

  "I am $280,000 in debt on business credit cards, should I file for bankruptcy?"

  "Should we buy our car that was totaled by the insurance company?"

  "Should I move into the parsonage for my church?"

  "Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?"

  "I'm being sued by my mom's ex-landlord, should I be worried?"

  "Where should my family invest our nest egg?"

  "Should I cancel my universal index policy?"

  "How much can I spend on travel while in retirement?"

  "How do I adjust as a newly single mom?"

  "How can I get more income while I'm on workers' comp?"

  "How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email.⁠⁠ 

💵⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Buy 1 Book, Get 1 Half Off!⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  For more information, go to ⁠SimpliSafe⁠


  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 


Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 14 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?"

  "I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?"

  "I am $280,000 in debt on business credit cards, should I file for bankruptcy?"

  "Should we buy our car that was totaled by the insurance company?"

  "Should I move into the parsonage for my church?"

  "Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?"

  "I'm being sued by my mom's ex-landlord, should I be worried?"

  "Where should my family invest our nest egg?"

  "Should I cancel my universal index policy?"

  "How much can I spend on travel while in retirement?"

  "How do I adjust as a newly single mom?"

  "How can I get more income while I'm on workers' comp?"

  "How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance"




Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email.⁠⁠ 

💵⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Buy 1 Book, Get 1 Half Off!⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  For more information, go to ⁠SimpliSafe⁠


  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 


Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠



⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?"</li>
  <li>"I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?"</li>
  <li>"I am $280,000 in debt on business credit cards, should I file for bankruptcy?"</li>
  <li>"Should we buy our car that was totaled by the insurance company?"</li>
  <li>"Should I move into the parsonage for my church?"</li>
  <li>"Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?"</li>
  <li>"I'm being sued by my mom's ex-landlord, should I be worried?"</li>
  <li>"Where should my family invest our nest egg?"</li>
  <li>"Should I cancel my universal index policy?"</li>
  <li>"How much can I spend on travel while in retirement?"</li>
  <li>"How do I adjust as a newly single mom?"</li>
  <li>"How can I get more income while I'm on workers' comp?"</li>
  <li>"How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠ <u>⁠send us an email.⁠</u>⁠</a> </p>
<p>💵<a href="https://ter.li/vhal7h">⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>📖 <a href="https://ter.li/qwb88a">⁠Buy 1 Book, Get 1 Half Off!⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/v242ck">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠<strong>SimpliSafe</strong>⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6758</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c82549b0-52d3-11f0-adf3-ab3156b46031]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7840051913.mp3?updated=1752529165" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Admit Your Financial Mess—Then Clean It Up</title>
      <description>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠


George Kamel and Ken Coleman answer your questions and discuss:


  "Can someone tell me that I need to stop trading and focus on debt repayment?"

  "How can we keep the IRS from taking my grandmother's retirement funds?"

  "We bought land with family. Should we build a house on it?"

  "How do I attract clients for my business?"

  "Should I pay off my low interest rate mortgage?"

  "We are losing more in fees on our universal life policy than we put in"

  "We moved in with my in-laws to save for a down payment. Was that a wise decision?"

  "How do I talk to debt collectors about settling?"

  "Should I sell my crypto to pay off debt?"

  "How do I combine finances with my wife?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🛍️ ⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠⁠⁠⁠⁠⁠

🛡️⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Fri, 11 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠


George Kamel and Ken Coleman answer your questions and discuss:


  "Can someone tell me that I need to stop trading and focus on debt repayment?"

  "How can we keep the IRS from taking my grandmother's retirement funds?"

  "We bought land with family. Should we build a house on it?"

  "How do I attract clients for my business?"

  "Should I pay off my low interest rate mortgage?"

  "We are losing more in fees on our universal life policy than we put in"

  "We moved in with my in-laws to save for a down payment. Was that a wise decision?"

  "How do I talk to debt collectors about settling?"

  "Should I sell my crypto to pay off debt?"

  "How do I combine finances with my wife?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠

🛍️ ⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠⁠⁠⁠⁠⁠

🛡️⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>
George Kamel and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Can someone tell me that I need to stop trading and focus on debt repayment?"</li>
  <li>"How can we keep the IRS from taking my grandmother's retirement funds?"</li>
  <li>"We bought land with family. Should we build a house on it?"</li>
  <li>"How do I attract clients for my business?"</li>
  <li>"Should I pay off my low interest rate mortgage?"</li>
  <li>"We are losing more in fees on our universal life policy than we put in"</li>
  <li>"We moved in with my in-laws to save for a down payment. Was that a wise decision?"</li>
  <li>"How do I talk to debt collectors about settling?"</li>
  <li>"Should I sell my crypto to pay off debt?"</li>
  <li>"How do I combine finances with my wife?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong>
✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠</a></p>
<p>🛍️ <a href="https://ter.li/td2fr1">⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/v242ck">⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6807</itunes:duration>
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    </item>
    <item>
      <title>Shortcuts Today Mean Setbacks Tomorrow</title>
      <description>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠



Rachel Cruze and Ken Coleman answer your questions and discuss:


  "Can a future employer find out that I lied about a bankruptcy on my application?"

  "My wife wants me to borrow money from my family to buy a car"

  "Should we downsize our animals to help get through Baby step 2? "

  "Can I be a stay-at-home mom while we're paying off debt?"

  "What can I do about an eviction notice?"

  "How do I get my husband to be more gazelle intense?"

  "What should I do with my home after I move in with my boyfriend?"

  "How do I explain charging rent to my kids?"

  "My husband's new job expenses are $1,000 a week. How do we plan for this?"

  "How do we balance being generous without enabling our children by giving them too much?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🤝 ⁠Find a Ramsey Trusted Real Estate Agent⁠

🛍️ ⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 10 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠



Rachel Cruze and Ken Coleman answer your questions and discuss:


  "Can a future employer find out that I lied about a bankruptcy on my application?"

  "My wife wants me to borrow money from my family to buy a car"

  "Should we downsize our animals to help get through Baby step 2? "

  "Can I be a stay-at-home mom while we're paying off debt?"

  "What can I do about an eviction notice?"

  "How do I get my husband to be more gazelle intense?"

  "What should I do with my home after I move in with my boyfriend?"

  "How do I explain charging rent to my kids?"

  "My husband's new job expenses are $1,000 a week. How do we plan for this?"

  "How do we balance being generous without enabling our children by giving them too much?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🤝 ⁠Find a Ramsey Trusted Real Estate Agent⁠

🛍️ ⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Rachel Cruze and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Can a future employer find out that I lied about a bankruptcy on my application?"</li>
  <li>"My wife wants me to borrow money from my family to buy a car"</li>
  <li>"Should we downsize our animals to help get through Baby step 2? "</li>
  <li>"Can I be a stay-at-home mom while we're paying off debt?"</li>
  <li>"What can I do about an eviction notice?"</li>
  <li>"How do I get my husband to be more gazelle intense?"</li>
  <li>"What should I do with my home after I move in with my boyfriend?"</li>
  <li>"How do I explain charging rent to my kids?"</li>
  <li>"My husband's new job expenses are $1,000 a week. How do we plan for this?"</li>
  <li>"How do we balance being generous without enabling our children by giving them too much?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong>
✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🤝 <a href="https://ter.li/etkl68">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>🛍️ <a href="https://ter.li/td2fr1">⁠5 Days. Different Deals Daily. Shop Summer Black Friday!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6818</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c6b652cc-52d3-11f0-adf3-07c3d19857e7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9305701488.mp3?updated=1752182930" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Other People’s Opinions Derail Your Future</title>
      <description>🔗⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I stop dating someone because of their financial instability?"

  "Should I leverage a rental property in order to acquire a business?"

  "Should I take on a part-time job in college or just focus on school?"

  "How do I prioritize financial goals as new college graduate"

  "Should I take a new job with no benefits that doubles my salary?"

  "How do we settle my fiancée's tax issues from her prior marriage?"

  "Should we uproot our family to move back to our original home for cheaper housing?"

  "Should we sell all our rental properties to pay off our mortgage?"

  "Should single women in their 20s buy homes?"

  "What do we do with the money we received after my son's tragic death?"

  "My wife and I don't agree on following the Baby Steps exactly"

  "How do I prepare for a lapse in medical coverage for my family?"

  "How do I pay off $120,000 of debt if I only make $70,000 a year?"

  "How do I handle having a committed relationship when my divorce decree prevents me from remarrying?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ 

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



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  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

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  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

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  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 09 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "Should I stop dating someone because of their financial instability?"

  "Should I leverage a rental property in order to acquire a business?"

  "Should I take on a part-time job in college or just focus on school?"

  "How do I prioritize financial goals as new college graduate"

  "Should I take a new job with no benefits that doubles my salary?"

  "How do we settle my fiancée's tax issues from her prior marriage?"

  "Should we uproot our family to move back to our original home for cheaper housing?"

  "Should we sell all our rental properties to pay off our mortgage?"

  "Should single women in their 20s buy homes?"

  "What do we do with the money we received after my son's tragic death?"

  "My wife and I don't agree on following the Baby Steps exactly"

  "How do I prepare for a lapse in medical coverage for my family?"

  "How do I pay off $120,000 of debt if I only make $70,000 a year?"

  "How do I handle having a committed relationship when my divorce decree prevents me from remarrying?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠ 

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



Connect with our Sponsors:


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  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I stop dating someone because of their financial instability?"</li>
  <li>"Should I leverage a rental property in order to acquire a business?"</li>
  <li>"Should I take on a part-time job in college or just focus on school?"</li>
  <li>"How do I prioritize financial goals as new college graduate"</li>
  <li>"Should I take a new job with no benefits that doubles my salary?"</li>
  <li>"How do we settle my fiancée's tax issues from her prior marriage?"</li>
  <li>"Should we uproot our family to move back to our original home for cheaper housing?"</li>
  <li>"Should we sell all our rental properties to pay off our mortgage?"</li>
  <li>"Should single women in their 20s buy homes?"</li>
  <li>"What do we do with the money we received after my son's tragic death?"</li>
  <li>"My wife and I don't agree on following the Baby Steps exactly"</li>
  <li>"How do I prepare for a lapse in medical coverage for my family?"</li>
  <li>"How do I pay off $120,000 of debt if I only make $70,000 a year?"</li>
  <li>"How do I handle having a committed relationship when my divorce decree prevents me from remarrying?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong>
✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>🏠 <a href="https://ter.li/rslmjr">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6693</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c6647614-52d3-11f0-adf3-2f8054f0ec57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4829382019.mp3?updated=1752096567" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Big Debt Requires Bigger Discipline</title>
      <description>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I navigate refusing a large monetary gift from family due to cultural expectations?"

  "I'm about to take on $200,000 of student loans, how do I begin to pay this off?"

  "Dave, have you gone soft on Crypto?"

  "I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan"

  "How do I support my household on my own when my husband doesn't work?"

  "Should I take the buyout or the monthly payments for my pension?"

  "How do I ask my boss for a raise?"

  "Should I take out a HELOC for home repairs?"

  "Should I re-enter the workforce if it means that I will be away from my friends and family more?"

  "Is it okay to not buy a home for a couple of years while living in a foreign country?"

  "My husband says I'm financially abusive, is he right?"

  "Can I go on vacation while I am saving for a house?"

  "How do I improve my credit score so I can get balance transfer credit cards?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Your Total Money Makeover starts here.⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Tue, 08 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "How do I navigate refusing a large monetary gift from family due to cultural expectations?"

  "I'm about to take on $200,000 of student loans, how do I begin to pay this off?"

  "Dave, have you gone soft on Crypto?"

  "I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan"

  "How do I support my household on my own when my husband doesn't work?"

  "Should I take the buyout or the monthly payments for my pension?"

  "How do I ask my boss for a raise?"

  "Should I take out a HELOC for home repairs?"

  "Should I re-enter the workforce if it means that I will be away from my friends and family more?"

  "Is it okay to not buy a home for a couple of years while living in a foreign country?"

  "My husband says I'm financially abusive, is he right?"

  "Can I go on vacation while I am saving for a house?"

  "How do I improve my credit score so I can get balance transfer credit cards?"




Next Steps:
✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

⛓️‍💥⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Your Total Money Makeover starts here.⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  For more information, go to ⁠⁠SimpliSafe⁠⁠


  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I navigate refusing a large monetary gift from family due to cultural expectations?"</li>
  <li>"I'm about to take on $200,000 of student loans, how do I begin to pay this off?"</li>
  <li>"Dave, have you gone soft on Crypto?"</li>
  <li>"I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan"</li>
  <li>"How do I support my household on my own when my husband doesn't work?"</li>
  <li>"Should I take the buyout or the monthly payments for my pension?"</li>
  <li>"How do I ask my boss for a raise?"</li>
  <li>"Should I take out a HELOC for home repairs?"</li>
  <li>"Should I re-enter the workforce if it means that I will be away from my friends and family more?"</li>
  <li>"Is it okay to not buy a home for a couple of years while living in a foreign country?"</li>
  <li>"My husband says I'm financially abusive, is he right?"</li>
  <li>"Can I go on vacation while I am saving for a house?"</li>
  <li>"How do I improve my credit score so I can get balance transfer credit cards?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong>
✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>⛓️‍💥<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠</a> <a href="https://ter.li/918c50">⁠⁠Your Total Money Makeover starts here.⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/rslmjr">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠Get tickets for Money &amp; Marriage Getaway⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠<strong>SimpliSafe</strong>⁠⁠</a>
</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6714</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c63be906-52d3-11f0-adf3-9f2c03f9c5d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6783744574.mp3?updated=1752011078" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Outearn a Busted Budget</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and Rachel Cruze answer your questions and discuss:


  "I'm $60,000 in debt, I just lost my job and I have no savings. How do I get out of this mess?"

  "I blew through a $120,000 settlement and now I don't have anything in savings or retirement"

  "Does giving up my hobbies for my kids teach them the wrong message about chasing your dreams?"

  "We don't know who to trust when it comes to knowing how much we can pull from our retirement accounts"

  "I keep blowing through several line items in our budget and now my husband is frustrated with me"

  "I want to sell our home but my wife doesn't. How can we come to an agreement on this?"

  "Is it okay for my husband to become a stay-at-home dad?"

  "I am $21,000 in debt and am struggling, I can't figure out how to budget"

  "Should I sell my purse collection to get out of debt?"

  "Should I short sale my home?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Mon, 07 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and Rachel Cruze answer your questions and discuss:


  "I'm $60,000 in debt, I just lost my job and I have no savings. How do I get out of this mess?"

  "I blew through a $120,000 settlement and now I don't have anything in savings or retirement"

  "Does giving up my hobbies for my kids teach them the wrong message about chasing your dreams?"

  "We don't know who to trust when it comes to knowing how much we can pull from our retirement accounts"

  "I keep blowing through several line items in our budget and now my husband is frustrated with me"

  "I want to sell our home but my wife doesn't. How can we come to an agreement on this?"

  "Is it okay for my husband to become a stay-at-home dad?"

  "I am $21,000 in debt and am struggling, I can't figure out how to budget"

  "Should I sell my purse collection to get out of debt?"

  "Should I short sale my home?"




Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"I'm $60,000 in debt, I just lost my job and I have no savings. How do I get out of this mess?"</li>
  <li>"I blew through a $120,000 settlement and now I don't have anything in savings or retirement"</li>
  <li>"Does giving up my hobbies for my kids teach them the wrong message about chasing your dreams?"</li>
  <li>"We don't know who to trust when it comes to knowing how much we can pull from our retirement accounts"</li>
  <li>"I keep blowing through several line items in our budget and now my husband is frustrated with me"</li>
  <li>"I want to sell our home but my wife doesn't. How can we come to an agreement on this?"</li>
  <li>"Is it okay for my husband to become a stay-at-home dad?"</li>
  <li>"I am $21,000 in debt and am struggling, I can't figure out how to budget"</li>
  <li>"Should I sell my purse collection to get out of debt?"</li>
  <li>"Should I short sale my home?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠⁠⁠⁠⁠</a><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠⁠⁠</a><strong></strong></p>
<p>🏠 <a href="https://ter.li/etkl68">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab <em>Breaking Free From Broke</em> now!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6827</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c611be10-52d3-11f0-adf3-2f7aecb68dc7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9367785747.mp3?updated=1751935671" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Go Broke Trying to Keep the Peace</title>
      <description>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:


  
My husband is very controlling with the budget.



  
We owe more than $85K in credit card debt.



  
I hate living in California and my job sucks



  
Should guests pay for meals at our wedding?



  
I owe $2.5M on rental properties



  
Should I use a debt consolidation company?




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠

📙 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

📖 ⁠Your Total Money Makeover starts here.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Jul 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:


  
My husband is very controlling with the budget.



  
We owe more than $85K in credit card debt.



  
I hate living in California and my job sucks



  
Should guests pay for meals at our wedding?



  
I owe $2.5M on rental properties



  
Should I use a debt consolidation company?




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠

📙 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

📖 ⁠Your Total Money Makeover starts here.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>My husband is very controlling with the budget.</p>
</li>
  <li>
<p>We owe more than $85K in credit card debt.</p>
</li>
  <li>
<p>I hate living in California and my job sucks</p>
</li>
  <li>
<p>Should guests pay for meals at our wedding?</p>
</li>
  <li>
<p>I owe $2.5M on rental properties</p>
</li>
  <li>
<p>Should I use a debt consolidation company?</p>
</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠</a><a href="https://ter.li/rslmjr">⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p>📙 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6665</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a39e1b92-3b15-11f0-bd8a-2f6b174e1ee6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5693418355.mp3?updated=1750973239" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>No Amount Of Debt Is Too Big For A Comeback</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
‘Finding a girl that likes me and not my money'



  
'I don't see a way out of my debt.'



  
'My wife doesn't want to give up her horse'



  
'What's the best way to start a business?'



  
'I work full time but I still feel broke.'



  
'Should I invest in farm land?'




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠⁠

🎆 ⁠Buy 1 Book, Get 1 Half Off! ⁠

🛡️⁠Get trusted insurance coverage that fits your budget.⁠

Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Jul 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:


  
‘Finding a girl that likes me and not my money'



  
'I don't see a way out of my debt.'



  
'My wife doesn't want to give up her horse'



  
'What's the best way to start a business?'



  
'I work full time but I still feel broke.'



  
'Should I invest in farm land?'




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠⁠

🎆 ⁠Buy 1 Book, Get 1 Half Off! ⁠

🛡️⁠Get trusted insurance coverage that fits your budget.⁠

Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>‘Finding a girl that likes me and not my money'</p>
</li>
  <li>
<p>'I don't see a way out of my debt.'</p>
</li>
  <li>
<p>'My wife doesn't want to give up her horse'</p>
</li>
  <li>
<p>'What's the best way to start a business?'</p>
</li>
  <li>
<p>'I work full time but I still feel broke.'</p>
</li>
  <li>
<p>'Should I invest in farm land?'</p>
</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠⁠</a></p>
<p>🎆 <a href="https://ter.li/qwb88a">⁠Buy 1 Book, Get 1 Half Off! ⁠</a></p>
<p>🛡️<a href="https://ter.li/v242ck">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6759</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a36ac51c-3b15-11f0-bd8a-13171f920571]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4964338229.mp3?updated=1750973116" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re One Hard Decision Away From Financial Peace</title>
      <description>🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  'Should I leave my husband because he refuses to disclose his finances to me?'

  'I am $2.1 million in debt, how do we possibly recover from this?'

  'My in-laws are not doing well financially and my husband wants to help them.'

  'Should I help pay for renovations on my boyfriend’s mother’s home?'

  'How can I be a great husband when my future wife will earn significantly more than me?'




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠

🎓 ⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

💲 ⁠Buy 1 Book, Get 1 Half Off!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 02 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  'Should I leave my husband because he refuses to disclose his finances to me?'

  'I am $2.1 million in debt, how do we possibly recover from this?'

  'My in-laws are not doing well financially and my husband wants to help them.'

  'Should I help pay for renovations on my boyfriend’s mother’s home?'

  'How can I be a great husband when my future wife will earn significantly more than me?'




Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠

🎓 ⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠⁠⁠⁠⁠

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

💲 ⁠Buy 1 Book, Get 1 Half Off!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>'Should I leave my husband because he refuses to disclose his finances to me?'</li>
  <li>'I am $2.1 million in debt, how do we possibly recover from this?'</li>
  <li>'My in-laws are not doing well financially and my husband wants to help them.'</li>
  <li>'Should I help pay for renovations on my boyfriend’s mother’s home?'</li>
  <li>'How can I be a great husband when my future wife will earn significantly more than me?'</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠ <u>⁠send us an email.⁠</u>⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠<strong> </strong><u>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠</u>⁠</a></p>
<p>🎓 <a href="https://ter.li/ja1580">⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠</a><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠ <u>⁠Start your free budget today. Download the EveryDollar app!</u>⁠⁠⁠</a><strong></strong></p>
<p>💲 <a href="https://ter.li/qwb88a">⁠Buy 1 Book, Get 1 Half Off!⁠</a></p>
<p>🏠 <a href="https://ter.li/rslmjr">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6794</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4346336925.mp3?updated=1751491845" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There Are No Magic Shortcuts To Financial Freedom</title>
      <description>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

 

George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we manage an inheritance when one of the siblings is an addict?"

  "My ex-husband who wants me to give up my spousal support?"

  "Should I switch to working full-time because I have more earning potential than my husband?"

  "I was left with nothing after my divorce and now I'm living off credit cards"

  "How do I not resent my boyfriend for not proposing?"

  "Is crypo currency going to replace the U.S. dollar?"


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💲 ⁠Buy 1 Book, Get 1 Half Off!⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

📖 ⁠Your Total Money Makeover starts here.⁠

 

Connect with our Sponsors:


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  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


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  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

 

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 01 Jul 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

 

George Kamel and Dr. John Delony answer your questions and discuss:


  "How do we manage an inheritance when one of the siblings is an addict?"

  "My ex-husband who wants me to give up my spousal support?"

  "Should I switch to working full-time because I have more earning potential than my husband?"

  "I was left with nothing after my divorce and now I'm living off credit cards"

  "How do I not resent my boyfriend for not proposing?"

  "Is crypo currency going to replace the U.S. dollar?"


Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💲 ⁠Buy 1 Book, Get 1 Half Off!⁠

⛓️‍💥 ⁠Tired of debt? Grab Breaking Free From Broke now!⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

📖 ⁠Your Total Money Makeover starts here.⁠

 

Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

 

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠</a></p>
<p> </p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do we manage an inheritance when one of the siblings is an addict?"</li>
  <li>"My ex-husband who wants me to give up my spousal support?"</li>
  <li>"Should I switch to working full-time because I have more earning potential than my husband?"</li>
  <li>"I was left with nothing after my divorce and now I'm living off credit cards"</li>
  <li>"How do I not resent my boyfriend for not proposing?"</li>
  <li>"Is crypo currency going to replace the U.S. dollar?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<strong> </strong>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠</a><a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠</a></p>
<p>👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠Get tickets for Money &amp; Marriage Getaway⁠</a></p>
<p>💵<a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>💲 <a href="https://ter.li/qwb88a">⁠Buy 1 Book, Get 1 Half Off!⁠</a></p>
<p>⛓️‍💥 <a href="https://ter.li/apf6qf">⁠Tired of debt? Grab Breaking Free From Broke now!⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/v242ck">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>📖 <a href="https://ter.li/918c50">⁠Your Total Money Makeover starts here.⁠</a></p>
<p> </p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us/">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
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  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com/">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com/">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠George Kamel⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6796</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a305962e-3b15-11f0-bd8a-13b0beef0f70]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6168940579.mp3?updated=1751402975" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Push Through Your Financial Setbacks—Don’t Surrender to Them</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠

 

Rachel Cruze and George Kamel answer your questions and discuss:


  'How can I get my wife to stay on budget?'

  'How do I pay off my loans if I can't find work?'

  'My boyfriend wants to keep separate finances when we get married'

  'Should I buy a Tesla even if it might put me back financially?'

  'I co-signed a loan with my brother-in-law. How do I get out of this?'

  'We bought a house from a family member and they don't want us to pay off the house early'


 

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🛡️⁠Get trusted insurance coverage that fits your budget.⁠

📊 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

 

Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Mon, 30 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠

 

Rachel Cruze and George Kamel answer your questions and discuss:


  'How can I get my wife to stay on budget?'

  'How do I pay off my loans if I can't find work?'

  'My boyfriend wants to keep separate finances when we get married'

  'Should I buy a Tesla even if it might put me back financially?'

  'I co-signed a loan with my brother-in-law. How do I get out of this?'

  'We bought a house from a family member and they don't want us to pay off the house early'


 

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🛡️⁠Get trusted insurance coverage that fits your budget.⁠

📊 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠

 

Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 


 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

 

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠</a></p>
<p> </p>
<p>Rachel Cruze and George Kamel answer your questions and discuss:</p>
<ul>
  <li>'How can I get my wife to stay on budget?'</li>
  <li>'How do I pay off my loans if I can't find work?'</li>
  <li>'My boyfriend wants to keep separate finances when we get married'</li>
  <li>'Should I buy a Tesla even if it might put me back financially?'</li>
  <li>'I co-signed a loan with my brother-in-law. How do I get out of this?'</li>
  <li>'We bought a house from a family member and they don't want us to pay off the house early'</li>
</ul>
<p> </p>
<p><strong>Next Steps:</strong></p>
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<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-07-01&amp;deep_link_value=episode&amp;navigationtype=episode&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=trs%20early%20release&amp;af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=trs%20early%20release&amp;utm_term=ramsey_network_bu&amp;utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125">⁠Get episodes early in the free Ramsey Network app!⁠</a> </p>
<p><strong>📈</strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<strong> </strong>⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/v242ck">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
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<p>🏠 <a href="https://ter.li/etkl68">⁠Find a Ramsey Trusted Real Estate Agent⁠</a></p>
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</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
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</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p> </p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠</a></p>
<p> </p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6936</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a2d894b2-3b15-11f0-bd8a-c322713a2ecc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3170269488.mp3?updated=1751316622" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Debt-Free Living Is a Superpower</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I overcome a spending addiction?"

  "My husband controls all of our money..."

  Why you shouldn't payoff someone else's debts.

  Protecting yourself and your money from scammers!

  "Should I take my son out of my will?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect with our Sponsors:


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  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


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  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 27 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "How do I overcome a spending addiction?"

  "My husband controls all of our money..."

  Why you shouldn't payoff someone else's debts.

  Protecting yourself and your money from scammers!

  "Should I take my son out of my will?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><br></p>
<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I overcome a spending addiction?"</li>
  <li>"My husband controls all of our money..."</li>
  <li>Why you shouldn't payoff someone else's debts.</li>
  <li>Protecting yourself and your money from scammers!</li>
  <li>"Should I take my son out of my will?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6836</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a1f4d970-3b15-11f0-bd8a-77de6ed4dd37]]></guid>
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    </item>
    <item>
      <title>It’s Never Too Late To Start</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "What should I do with the house I bought with my ex?"

  "I'm 100K in debt, lost my job, and my girlfriend cheated on me..."

  "Should I let everything go to collections?"

  "Should I lend or gift money to our adult son?"

  "My husband stopped paying debt; how do I recover?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎓 ⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


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  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

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  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Thu, 26 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "What should I do with the house I bought with my ex?"

  "I'm 100K in debt, lost my job, and my girlfriend cheated on me..."

  "Should I let everything go to collections?"

  "Should I lend or gift money to our adult son?"

  "My husband stopped paying debt; how do I recover?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget⁠

🎓 ⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"What should I do with the house I bought with my ex?"</li>
  <li>"I'm 100K in debt, lost my job, and my girlfriend cheated on me..."</li>
  <li>"Should I let everything go to collections?"</li>
  <li>"Should I lend or gift money to our adult son?"</li>
  <li>"My husband stopped paying debt; how do I recover?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠</a></p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p>📖 <a href="https://ter.li/apf6qf">⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠</a></p>
<p>🛡️<a href="https://ter.li/yuyuec">⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p>🎓 <a href="https://ter.li/ja1580">⁠Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6811</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a222d334-3b15-11f0-bd8a-cb2cfddf9bd7]]></guid>
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    </item>
    <item>
      <title>More Debt Is Never the Way out of a Tough Situation</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do we prioritize necessary home repairs while paying off debt?"

  "How do I deal with a credit card company that is refusing to negotiate with me?"

  "Should I borrow money from my cousin to start a business?"

  "Can I pay off my largest debt first?"

  "How do I close a business that has been in my family for 40 years?"

  "How do I stop my parents from "loaning" money to their granddaughter?"

  "Should we downsize to a trailer to save money?"

  "Am I proposing too soon financially?"

  "I'm 61 years old, still in debt, and have nothing saved for retirement..."




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Wed, 25 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do we prioritize necessary home repairs while paying off debt?"

  "How do I deal with a credit card company that is refusing to negotiate with me?"

  "Should I borrow money from my cousin to start a business?"

  "Can I pay off my largest debt first?"

  "How do I close a business that has been in my family for 40 years?"

  "How do I stop my parents from "loaning" money to their granddaughter?"

  "Should we downsize to a trailer to save money?"

  "Am I proposing too soon financially?"

  "I'm 61 years old, still in debt, and have nothing saved for retirement..."




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do we prioritize necessary home repairs while paying off debt?"</li>
  <li>"How do I deal with a credit card company that is refusing to negotiate with me?"</li>
  <li>"Should I borrow money from my cousin to start a business?"</li>
  <li>"Can I pay off my largest debt first?"</li>
  <li>"How do I close a business that has been in my family for 40 years?"</li>
  <li>"How do I stop my parents from "loaning" money to their granddaughter?"</li>
  <li>"Should we downsize to a trailer to save money?"</li>
  <li>"Am I proposing too soon financially?"</li>
  <li>"I'm 61 years old, still in debt, and have nothing saved for retirement..."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠</a></p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>💗 <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p>

</p>]]>
      </content:encoded>
      <itunes:duration>6808</itunes:duration>
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    </item>
    <item>
      <title>Debt Can’t Be Your Normal Anymore</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How should I help my son who's going through rehab again?"

  "My financial advisor is telling me to not pay off my debt. I don't trust him, what should I do?"

  "Why do you promote giving money away in Baby Step 7? Isn't that the opposite of building wealth?"

  "I keep losing jobs and now I'm drowning in debt. How do I move on from here?"

  "I'm worried it's too late for me to save enough for retirement..."

  "How do I get rid of my credit score?"

  "Should I buy a car that doesn’t make financial sense?"

  "Can I afford a trip to Las Vegas to see Dolly Parton?"

  "A third of my income goes to debt payments, how can I get ahead?"

  "How do I handle entering a marriage with debt without feeling guilty for bringing my fiancé down?"

  "I manage a $4 million dollar portfolio, what should I say to everyone that keeps asking for money?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Tue, 24 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How should I help my son who's going through rehab again?"

  "My financial advisor is telling me to not pay off my debt. I don't trust him, what should I do?"

  "Why do you promote giving money away in Baby Step 7? Isn't that the opposite of building wealth?"

  "I keep losing jobs and now I'm drowning in debt. How do I move on from here?"

  "I'm worried it's too late for me to save enough for retirement..."

  "How do I get rid of my credit score?"

  "Should I buy a car that doesn’t make financial sense?"

  "Can I afford a trip to Las Vegas to see Dolly Parton?"

  "A third of my income goes to debt payments, how can I get ahead?"

  "How do I handle entering a marriage with debt without feeling guilty for bringing my fiancé down?"

  "I manage a $4 million dollar portfolio, what should I say to everyone that keeps asking for money?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How should I help my son who's going through rehab again?"</li>
  <li>"My financial advisor is telling me to not pay off my debt. I don't trust him, what should I do?"</li>
  <li>"Why do you promote giving money away in Baby Step 7? Isn't that the opposite of building wealth?"</li>
  <li>"I keep losing jobs and now I'm drowning in debt. How do I move on from here?"</li>
  <li>"I'm worried it's too late for me to save enough for retirement..."</li>
  <li>"How do I get rid of my credit score?"</li>
  <li>"Should I buy a car that doesn’t make financial sense?"</li>
  <li>"Can I afford a trip to Las Vegas to see Dolly Parton?"</li>
  <li>"A third of my income goes to debt payments, how can I get ahead?"</li>
  <li>"How do I handle entering a marriage with debt without feeling guilty for bringing my fiancé down?"</li>
  <li>"I manage a $4 million dollar portfolio, what should I say to everyone that keeps asking for money?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠</a></p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠</a></p>
<p>📖 <a href="https://ter.li/apf6qf">⁠Ready to break free from debt? Grab George Kamel’s <em>Breaking Free From Broke</em> now!⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6814</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a27b8e20-3b15-11f0-bd8a-532d07ae386c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2324371348.mp3?updated=1750800572" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Future Self Is Counting on You</title>
      <description>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "We have $340,000 of debt, how do we get out of this?"

  "I'm about to be laid off, should I find another job or just retire?"

  "How much can I spend now without hurting my future self?"

  "My mom told me I'm her retirement plan. How do I tell her I can't do this?"

  "How do I control my husband's spending when we have separate finances?"

  "I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?"

  "I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?"


Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget⁠



Connect with our Sponsors:


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  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

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  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 23 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "We have $340,000 of debt, how do we get out of this?"

  "I'm about to be laid off, should I find another job or just retire?"

  "How much can I spend now without hurting my future self?"

  "My mom told me I'm her retirement plan. How do I tell her I can't do this?"

  "How do I control my husband's spending when we have separate finances?"

  "I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?"

  "I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?"


Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️⁠Protect yourself with trusted insurance coverage that fits your budget⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"We have $340,000 of debt, how do we get out of this?"</li>
  <li>"I'm about to be laid off, should I find another job or just retire?"</li>
  <li>"How much can I spend now without hurting my future self?"</li>
  <li>"My mom told me I'm her retirement plan. How do I tell her I can't do this?"</li>
  <li>"How do I control my husband's spending when we have separate finances?"</li>
  <li>"I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?"</li>
  <li>"I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>📖 <a href="https://ter.li/apf6qf">⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/yuyuec">⁠Protect yourself with trusted insurance coverage that fits your budget⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6845</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a2a9c54c-3b15-11f0-bd8a-2b5c73e4daf2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2319837781.mp3?updated=1750714419" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money Magnifies What’s Already Broken In Your Relationships</title>
      <description>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do I protect myself from my husband's gambling addiction?"

  "Should I pay off my sisters' student loans with my inheritance?"

  "I want to pay off debt but my wife doesn't. What should we do?"

  "Should I sell the family property that was gifted to me?"

  "How do we pay off debt when I can't get a job?"

  "Should I help my mom buy a vacation home?"

  "I know nothing about investing. Where do I start?"

  "My family is going through a crisis. Should I adjust my estate plan?"

  "How do my sisters and I navigate splitting up the home and land we inherited?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🛡️ ⁠Learn more about how to protect yourself from identify theft⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Fri, 20 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



George Kamel and Jade Warshaw answer your questions and discuss:


  "How do I protect myself from my husband's gambling addiction?"

  "Should I pay off my sisters' student loans with my inheritance?"

  "I want to pay off debt but my wife doesn't. What should we do?"

  "Should I sell the family property that was gifted to me?"

  "How do we pay off debt when I can't get a job?"

  "Should I help my mom buy a vacation home?"

  "I know nothing about investing. Where do I start?"

  "My family is going through a crisis. Should I adjust my estate plan?"

  "How do my sisters and I navigate splitting up the home and land we inherited?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🛡️ ⁠Learn more about how to protect yourself from identify theft⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do I protect myself from my husband's gambling addiction?"</li>
  <li>"Should I pay off my sisters' student loans with my inheritance?"</li>
  <li>"I want to pay off debt but my wife doesn't. What should we do?"</li>
  <li>"Should I sell the family property that was gifted to me?"</li>
  <li>"How do we pay off debt when I can't get a job?"</li>
  <li>"Should I help my mom buy a vacation home?"</li>
  <li>"I know nothing about investing. Where do I start?"</li>
  <li>"My family is going through a crisis. Should I adjust my estate plan?"</li>
  <li>"How do my sisters and I navigate splitting up the home and land we inherited?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/k8vc1b">⁠Learn more about how to protect yourself from identify theft⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6709</itunes:duration>
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    </item>
    <item>
      <title>Winning With Money Is More About Hope Than Math</title>
      <description>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I was accidentally overpaid by my employer and now they want me to pay back $48,000."

  "Should I take over the car payment that my soon-to-be ex-husband is failing to pay?"

  "How can I convince my wife that we're set for retirement and don't have to make "the pie" bigger?"

  "Should I buy a boat?"

  "My husband says we can't afford a baby. Is he right?"

  "Should I continue working for my father or find another job?"

  "My husband wants to invest in gold but I want to invest in real estate. What should we do?"

  "How can I pay off my student loans at age 70?"

  "I owe $15,000 on my car and it doesn't run. How do I get rid of it?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📈 ⁠⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 19 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Ken Coleman answer your questions and discuss:


  "I was accidentally overpaid by my employer and now they want me to pay back $48,000."

  "Should I take over the car payment that my soon-to-be ex-husband is failing to pay?"

  "How can I convince my wife that we're set for retirement and don't have to make "the pie" bigger?"

  "Should I buy a boat?"

  "My husband says we can't afford a baby. Is he right?"

  "Should I continue working for my father or find another job?"

  "My husband wants to invest in gold but I want to invest in real estate. What should we do?"

  "How can I pay off my student loans at age 70?"

  "I owe $15,000 on my car and it doesn't run. How do I get rid of it?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📈 ⁠⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"I was accidentally overpaid by my employer and now they want me to pay back $48,000."</li>
  <li>"Should I take over the car payment that my soon-to-be ex-husband is failing to pay?"</li>
  <li>"How can I convince my wife that we're set for retirement and don't have to make "the pie" bigger?"</li>
  <li>"Should I buy a boat?"</li>
  <li>"My husband says we can't afford a baby. Is he right?"</li>
  <li>"Should I continue working for my father or find another job?"</li>
  <li>"My husband wants to invest in gold but I want to invest in real estate. What should we do?"</li>
  <li>"How can I pay off my student loans at age 70?"</li>
  <li>"I owe $15,000 on my car and it doesn't run. How do I get rid of it?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠</a></p>
<p>📈 <a href="https://ter.li/zbyy3m">⁠⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠⁠⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6751</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a19b95cc-3b15-11f0-bd8a-a758a31fe875]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6797951383.mp3?updated=1750369112" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Rock Bottom Can Be Solid Ground to Rebuild On</title>
      <description>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My husband keeps wanting to blow through our retirement savings. How do I get him to slow down his spending?"

  "Should we file bankruptcy?"

  "Should I pay cash or take out a loan for solar panels?"

  "I was laid off yesterday, where do I go from here?"

  "My husband is only paying down his own debt and I'm worried he's  planning to leave me,"

  "Our newborn is having unexpected medical expenses and we've blown through our emergency fund. What do we do?"

  "Can we recover from my husband not paying taxes?"

  "What kind of bonds should I be investing in?"

  "How can I fight a tax lien that my ex-husband was supposed to pay but didn't?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

📈 ⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠



Connect with our Sponsors:


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  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

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  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Wed, 18 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "My husband keeps wanting to blow through our retirement savings. How do I get him to slow down his spending?"

  "Should we file bankruptcy?"

  "Should I pay cash or take out a loan for solar panels?"

  "I was laid off yesterday, where do I go from here?"

  "My husband is only paying down his own debt and I'm worried he's  planning to leave me,"

  "Our newborn is having unexpected medical expenses and we've blown through our emergency fund. What do we do?"

  "Can we recover from my husband not paying taxes?"

  "What kind of bonds should I be investing in?"

  "How can I fight a tax lien that my ex-husband was supposed to pay but didn't?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

📈 ⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"My husband keeps wanting to blow through our retirement savings. How do I get him to slow down his spending?"</li>
  <li>"Should we file bankruptcy?"</li>
  <li>"Should I pay cash or take out a loan for solar panels?"</li>
  <li>"I was laid off yesterday, where do I go from here?"</li>
  <li>"My husband is only paying down his own debt and I'm worried he's  planning to leave me,"</li>
  <li>"Our newborn is having unexpected medical expenses and we've blown through our emergency fund. What do we do?"</li>
  <li>"Can we recover from my husband not paying taxes?"</li>
  <li>"What kind of bonds should I be investing in?"</li>
  <li>"How can I fight a tax lien that my ex-husband was supposed to pay but didn't?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/zbyy3m">⁠⁠Free Tools &amp; Resources to Help You With Investing⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6736</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a16e3cd0-3b15-11f0-bd8a-2fc2639db70a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1155468259.mp3?updated=1750282598" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Short-Term Thinking Keeps You From Building Long-Term Wealth</title>
      <description>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How can I get my husband to understand we can't afford groceries because of his drug addiction?"

  "My dad wants to give me money for a house but I want to invest it instead. What should I do?"

  "I currently have $130,000 in crypto, should I cash it out?"

  "My girlfriend wants me to sign a prenup, but I don't want to"

  "I'm worried about getting a bigger house. I think it will be too hard for us to take care of it, but we need it"

  "When is it appropriate to tip?"

  "How can we start a business when friends and family owe us so much money?"

  "We are stuck in Baby Step 1 and living in a camper. What should we do to get out of this situation?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Tue, 17 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "How can I get my husband to understand we can't afford groceries because of his drug addiction?"

  "My dad wants to give me money for a house but I want to invest it instead. What should I do?"

  "I currently have $130,000 in crypto, should I cash it out?"

  "My girlfriend wants me to sign a prenup, but I don't want to"

  "I'm worried about getting a bigger house. I think it will be too hard for us to take care of it, but we need it"

  "When is it appropriate to tip?"

  "How can we start a business when friends and family owe us so much money?"

  "We are stuck in Baby Step 1 and living in a camper. What should we do to get out of this situation?"




Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠


  Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠


  Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠



⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How can I get my husband to understand we can't afford groceries because of his drug addiction?"</li>
  <li>"My dad wants to give me money for a house but I want to invest it instead. What should I do?"</li>
  <li>"I currently have $130,000 in crypto, should I cash it out?"</li>
  <li>"My girlfriend wants me to sign a prenup, but I don't want to"</li>
  <li>"I'm worried about getting a bigger house. I think it will be too hard for us to take care of it, but we need it"</li>
  <li>"When is it appropriate to tip?"</li>
  <li>"How can we start a business when friends and family owe us so much money?"</li>
  <li>"We are stuck in Baby Step 1 and living in a camper. What should we do to get out of this situation?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠⁠</a></p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a></p>
<p>🎟️ <a href="https://ter.li/x1bii2">⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠</a></p>
<p>📖 <a href="https://ter.li/apf6qf">⁠Ready to break free from debt? Grab George Kamel’s <em>Breaking Free From Broke</em> now!⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6731</itunes:duration>
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    </item>
    <item>
      <title>Passion Without Hard Work Is Just a Dream</title>
      <description>🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My husband has been hiding money in the closet. How can I reason with him when he doesn't see a problem in this?"

  "How much do we need to have saved in order to quit my job and pursue our dream?"

  "How do we convince my mom that her new husband isn't doing right by her by not properly planning his estate?"

  "My mother is financially enabling my sister while we are supporting her. What should we do?"

  "How do I overcome childhood financial fears about money?"

  "How can I avoid going to jail because I can't pay my divorce settlement"

  "Should my girlfriend and I get a prenup?"

  "Is it feasible to buy a house to include all our family or should we rent two separate living spaces?"

  "What should we do with a $1 million inheritance?"




Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

❤️‍🩹 ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 16 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My husband has been hiding money in the closet. How can I reason with him when he doesn't see a problem in this?"

  "How much do we need to have saved in order to quit my job and pursue our dream?"

  "How do we convince my mom that her new husband isn't doing right by her by not properly planning his estate?"

  "My mother is financially enabling my sister while we are supporting her. What should we do?"

  "How do I overcome childhood financial fears about money?"

  "How can I avoid going to jail because I can't pay my divorce settlement"

  "Should my girlfriend and I get a prenup?"

  "Is it feasible to buy a house to include all our family or should we rent two separate living spaces?"

  "What should we do with a $1 million inheritance?"




Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

❤️‍🩹 ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

📈 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠


  Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠


  Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠


  Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠


  Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠


  Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠


  Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠⁠⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"My husband has been hiding money in the closet. How can I reason with him when he doesn't see a problem in this?"</li>
  <li>"How much do we need to have saved in order to quit my job and pursue our dream?"</li>
  <li>"How do we convince my mom that her new husband isn't doing right by her by not properly planning his estate?"</li>
  <li>"My mother is financially enabling my sister while we are supporting her. What should we do?"</li>
  <li>"How do I overcome childhood financial fears about money?"</li>
  <li>"How can I avoid going to jail because I can't pay my divorce settlement"</li>
  <li>"Should my girlfriend and I get a prenup?"</li>
  <li>"Is it feasible to buy a house to include all our family or should we rent two separate living spaces?"</li>
  <li>"What should we do with a $1 million inheritance?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠<u>send us an email.</u>⁠⁠⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠⁠⁠<u>Help us make the show better. Please take this short survey</u>⁠</a></p>
<p>💵 <a href="https://ter.li/vhal7h">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/zbyy3m">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠<u>George Kamel</u>⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
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    <item>
      <title>Stop Ignoring Your Financial Fire Alarms</title>
      <description></description>
      <pubDate>Fri, 13 Jun 2025 21:00:00 -0000</pubDate>
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    <item>
      <title>You Work Too Hard to Stay This Broke</title>
      <description></description>
      <pubDate>Thu, 12 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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    <item>
      <title>Financial Wisdom Replaces Fear With Peace</title>
      <description></description>
      <pubDate>Wed, 11 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
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    </item>
    <item>
      <title>Crisis Doesn’t Wait for You to Get Your Financial Act Together</title>
      <description>🔗⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How do I navigate a convoluted family situation with buying my mom a house?"

  "How can I settle my credit card debt before a court hearing?"

  "Should I tithe on money that I am pulling out of investments?"

  "Do I need to save for my fiancée's debt?"

  "How do I know when it's time to change financial advisors?"

  "My work colleagues convinced me to spend $800k on real estate. How do I pay this debt off?"

  "Should I marry my boyfriend who is a broke financial advisor?"

  "We had a bad experience with our first renter. Should we sell our rental?"




Next Steps:

✅ ⁠Help us make the show better by taking this short survey!⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠send us an email.⁠ 

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠

✔️ ⁠Help us make the show better. Please take this short survey⁠
💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 10 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Dave Ramsey and George Kamel answer your questions and discuss:


  "How do I navigate a convoluted family situation with buying my mom a house?"

  "How can I settle my credit card debt before a court hearing?"

  "Should I tithe on money that I am pulling out of investments?"

  "Do I need to save for my fiancée's debt?"

  "How do I know when it's time to change financial advisors?"

  "My work colleagues convinced me to spend $800k on real estate. How do I pay this debt off?"

  "Should I marry my boyfriend who is a broke financial advisor?"

  "We had a bad experience with our first renter. Should we sell our rental?"




Next Steps:

✅ ⁠Help us make the show better by taking this short survey!⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠send us an email.⁠ 

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠

✔️ ⁠Help us make the show better. Please take this short survey⁠
💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠

📖 ⁠Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!⁠

🏠 ⁠Get organized and prepared to buy or sell a home⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗<a href="https://ter.li/m7272s">⁠<u> ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠</u>⁠</a></p>
<p><br></p>
<p>Dave Ramsey and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"How do I navigate a convoluted family situation with buying my mom a house?"</li>
  <li>"How can I settle my credit card debt before a court hearing?"</li>
  <li>"Should I tithe on money that I am pulling out of investments?"</li>
  <li>"Do I need to save for my fiancée's debt?"</li>
  <li>"How do I know when it's time to change financial advisors?"</li>
  <li>"My work colleagues convinced me to spend $800k on real estate. How do I pay this debt off?"</li>
  <li>"Should I marry my boyfriend who is a broke financial advisor?"</li>
  <li>"We had a bad experience with our first renter. Should we sell our rental?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠<u>Help us make the show better by taking this short survey!</u>⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠<u>send us an email.</u>⁠</a> </p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠</a></p>
<p>✔️ <a href="https://ter.li/3rtsm1">⁠<u>Help us make the show better. Please take this short survey</u>⁠</a>
💵 <a href="https://ter.li/vhal7h">⁠⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>📖 <a href="https://ter.li/apf6qf">⁠Ready to break free from debt? Grab George Kamel’s <em>Breaking Free From Broke</em> now!⁠</a></p>
<p>🏠 <a href="https://ter.li/bkqzyi">⁠Get organized and prepared to buy or sell a home⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠<strong>Field of Greens</strong>⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠ <strong>Laurel Road</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠<strong>Timothy Plan</strong>⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠<u>The Ramsey Show Highlights</u>⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠<u>The Dr. John Delony Show</u>⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠<u>Smart Money Happy Hour</u>⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠<u>The Rachel Cruze Show</u>⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠<u>George Kamel</u>⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠<u>Front Row Seat with Ken Coleman</u>⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠<u>EntreLeadership</u>⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
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    </item>
    <item>
      <title>Money’s Easy Until People Get Involved</title>
      <description></description>
      <pubDate>Mon, 09 Jun 2025 21:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
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        <![CDATA[]]>
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    </item>
    <item>
      <title>Don’t Let Other People’s Chaos Wreck Your Progress</title>
      <description>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "Should I quit my job because my fiancee will be the breadwinner in our marriage?"

  "Should I use my inheritance to pay off debt?"

  "My parents took out a HELOC to help me fix my car. Should I prioritize them in my debt snowball?"

  "My mother-in-law has been a serial cheater and lost $1m to an internet scammer."

  "How do I encourage my kids to not go into debt for their master's degrees?"

  "Should I adjust my retirement plans in case AI eliminates my job?"

  "Should we stipulate in our will that our children must be debt free before receiving their inheritance?"

  "Should I give away my wealth or leave it in my will?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠

👩‍❤️‍💋‍👨 ⁠⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠⁠

📈 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Fri, 06 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "Should I quit my job because my fiancee will be the breadwinner in our marriage?"

  "Should I use my inheritance to pay off debt?"

  "My parents took out a HELOC to help me fix my car. Should I prioritize them in my debt snowball?"

  "My mother-in-law has been a serial cheater and lost $1m to an internet scammer."

  "How do I encourage my kids to not go into debt for their master's degrees?"

  "Should I adjust my retirement plans in case AI eliminates my job?"

  "Should we stipulate in our will that our children must be debt free before receiving their inheritance?"

  "Should I give away my wealth or leave it in my will?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠

👩‍❤️‍💋‍👨 ⁠⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠⁠

📈 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠



Connect with our Sponsors:


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  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

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  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗 <a href="https://ter.li/m7272s">⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I quit my job because my fiancee will be the breadwinner in our marriage?"</li>
  <li>"Should I use my inheritance to pay off debt?"</li>
  <li>"My parents took out a HELOC to help me fix my car. Should I prioritize them in my debt snowball?"</li>
  <li>"My mother-in-law has been a serial cheater and lost $1m to an internet scammer."</li>
  <li>"How do I encourage my kids to not go into debt for their master's degrees?"</li>
  <li>"Should I adjust my retirement plans in case AI eliminates my job?"</li>
  <li>"Should we stipulate in our will that our children must be debt free before receiving their inheritance?"</li>
  <li>"Should I give away my wealth or leave it in my will?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠⁠</a></p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠</a></p>
<p>👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/kzd9yi">⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠</a><strong></strong></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6835</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a00d219e-3b15-11f0-bd8a-073704c804a5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9131326785.mp3?updated=1749245413" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don’t Need a Shortcut—You Need a Strategy</title>
      <description>🔗 ⁠⁠Share the Ramsey 101 Playlist!⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "Can we use a mortgage loan to buy my dad's property?" 

  "I signed a $16,000 window replacement contract. Is there any way for me to get out of this bad deal?"

  "I don't agree with what my brother and sister plan to do with my father's estate. Can I get out of this situation?"

  "My fiancé controls all our finances and is gone all the time. How do I leave this relationship?"

  "My boyfriend is irresponsible with his decisions and money. Should I leave him if he doesn't change his behavior?" 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🛡️⁠Protect yourself with the right coverage—take our coverage quiz!⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠Field of Greens⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  To find out more about student loan refinancing, check out⁠⁠ Laurel Road⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Learn more about ⁠⁠Timothy Plan⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</description>
      <pubDate>Thu, 05 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗 ⁠⁠Share the Ramsey 101 Playlist!⁠



Ken Coleman and George Kamel answer your questions and discuss:


  "Can we use a mortgage loan to buy my dad's property?" 

  "I signed a $16,000 window replacement contract. Is there any way for me to get out of this bad deal?"

  "I don't agree with what my brother and sister plan to do with my father's estate. Can I get out of this situation?"

  "My fiancé controls all our finances and is gone all the time. How do I leave this relationship?"

  "My boyfriend is irresponsible with his decisions and money. Should I leave him if he doesn't change his behavior?" 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

🛡️⁠Protect yourself with the right coverage—take our coverage quiz!⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📊 ⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠Field of Greens⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  To find out more about student loan refinancing, check out⁠⁠ Laurel Road⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Learn more about ⁠⁠Timothy Plan⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p> 🔗 <a href="https://ter.li/m7272s">⁠⁠Share the Ramsey 101 Playlist!⁠</a></p>
<p><br></p>
<p>Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Can we use a mortgage loan to buy my dad's property?" </li>
  <li>"I signed a $16,000 window replacement contract. Is there any way for me to get out of this bad deal?"</li>
  <li>"I don't agree with what my brother and sister plan to do with my father's estate. Can I get out of this situation?"</li>
  <li>"My fiancé controls all our finances and is gone all the time. How do I leave this relationship?"</li>
  <li>"My boyfriend is irresponsible with his decisions and money. Should I leave him if he doesn't change his behavior?" </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠⁠</a></p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🛡️<a href="https://ter.li/9k592q">⁠Protect yourself with the right coverage—take our coverage quiz!⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>📊 <a href="https://ter.li/st2jne">⁠Free Tools &amp; Resources to Help You With Investing⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
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</li>
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</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠<strong>Field of Greens</strong>⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠ <strong>Laurel Road</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠<strong>Timothy Plan</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
<p><br></p>
</ul>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6824</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9fe28d76-3b15-11f0-bd8a-176074d4d145]]></guid>
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    </item>
    <item>
      <title>Hard Decisions Today Bring Freedom Tomorrow</title>
      <description>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "Should I leave an inheritance to my children who won't speak to me?"

  "My dad's car was impounded and we didn't pay the fines. Now it's being sent to collections, how do I help him in this?"

  "My wife and I disagree on whether my son should help pay for his college"

  "We've been struggling to survive month-to-month and we're behind on our debt. How do we get out of this?"

  "It it too late to get out of my debt consolidation program?"

  "Is it a good idea to transfer my car loan balance to a balance transfer credit card?"

  "I've been with my financially irresponsible boyfriend for 20 years and I'm fed up and don't know what to do"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

📖 ⁠Have more money and less stress with George Kamel's book, Breaking Free From Broke!⁠

👩‍❤️‍💋‍👨 ⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠Field of Greens⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  To find out more about student loan refinancing, check out⁠⁠ Laurel Road⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Learn more about ⁠⁠Timothy Plan⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Wed, 04 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



George Kamel and Dr. John Delony answer your questions and discuss:


  "Should I leave an inheritance to my children who won't speak to me?"

  "My dad's car was impounded and we didn't pay the fines. Now it's being sent to collections, how do I help him in this?"

  "My wife and I disagree on whether my son should help pay for his college"

  "We've been struggling to survive month-to-month and we're behind on our debt. How do we get out of this?"

  "It it too late to get out of my debt consolidation program?"

  "Is it a good idea to transfer my car loan balance to a balance transfer credit card?"

  "I've been with my financially irresponsible boyfriend for 20 years and I'm fed up and don't know what to do"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

📖 ⁠Have more money and less stress with George Kamel's book, Breaking Free From Broke!⁠

👩‍❤️‍💋‍👨 ⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠


  Get 10% off your first month of⁠⁠ BetterHelp⁠⁠


  Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

  Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠


  Get started today with⁠⁠ Churchill Mortgage⁠⁠


  Get 20% off when you join ⁠⁠DeleteMe⁠⁠


  Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠Field of Greens⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠


  To find out more about student loan refinancing, check out⁠⁠ Laurel Road⁠⁠


  Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠


  Visit⁠⁠ NetSuite⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠


  Learn more about ⁠⁠Timothy Plan⁠⁠


  Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗 <a href="https://ter.li/m7272s">⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"Should I leave an inheritance to my children who won't speak to me?"</li>
  <li>"My dad's car was impounded and we didn't pay the fines. Now it's being sent to collections, how do I help him in this?"</li>
  <li>"My wife and I disagree on whether my son should help pay for his college"</li>
  <li>"We've been struggling to survive month-to-month and we're behind on our debt. How do we get out of this?"</li>
  <li>"It it too late to get out of my debt consolidation program?"</li>
  <li>"Is it a good idea to transfer my car loan balance to a balance transfer credit card?"</li>
  <li>"I've been with my financially irresponsible boyfriend for 20 years and I'm fed up and don't know what to do"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠⁠</a></p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📖 <a href="https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/?utm_source=tdrs&amp;utm_medium=podcast&amp;utm_campaign=bffb%20presale&amp;utm_term=consumer_products_bu&amp;utm_content=bffb%20presale%20-%20bffb%20presale">⁠Have more money and less stress with George Kamel's book, Breaking Free From Broke!⁠</a></p>
<p>👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠<strong>ALDI</strong>⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠ <strong>BetterHelp</strong>⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠<strong>Boost Mobile</strong>⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠<strong>DeleteMe</strong>⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠<strong>Field of Greens</strong>⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠<strong>Health Trust Financial</strong>⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠ <strong>Laurel Road</strong>⁠⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠ <strong>NetSuite</strong>⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠<strong>The Nokbox</strong>⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠<strong>Timothy Plan</strong>⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠<strong>YRefy</strong>⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠ <strong>Zander Insurance</strong>⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6822</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9fb74ca6-3b15-11f0-bd8a-b77179faad32]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4579477758.mp3?updated=1749072638" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Debt Freedom Isn’t Fast—It’s Focused</title>
      <description>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How do I support my family now that my husband is in jail?"

  "My kid is not interested in managing my assets or my business. Should I donate everything instead?"

  "Is my job worth the sacrifice of not being around family and friends?" 

  " Should we support a missionary who's being irresponsible with money?"

  "Should I pay cash for one rental property or leverage debt to buy multiple at once?"

  "Should I pull money from retirement to pay off debt?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

🙋‍♂️ ⁠Submit your story to have a chance to be featured on 90 Day Money Makeover⁠

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

📊 ⁠⁠⁠⁠⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Tue, 03 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠



Jade Warshaw and Dr. John Delony answer your questions and discuss:


  "How do I support my family now that my husband is in jail?"

  "My kid is not interested in managing my assets or my business. Should I donate everything instead?"

  "Is my job worth the sacrifice of not being around family and friends?" 

  " Should we support a missionary who's being irresponsible with money?"

  "Should I pay cash for one rental property or leverage debt to buy multiple at once?"

  "Should I pull money from retirement to pay off debt?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

🙋‍♂️ ⁠Submit your story to have a chance to be featured on 90 Day Money Makeover⁠

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

📊 ⁠⁠⁠⁠⁠Free Tools &amp; Resources to Help You With Investing⁠

💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p>🔗 <a href="https://ter.li/m7272s">⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do I support my family now that my husband is in jail?"</li>
  <li>"My kid is not interested in managing my assets or my business. Should I donate everything instead?"</li>
  <li>"Is my job worth the sacrifice of not being around family and friends?" </li>
  <li>" Should we support a missionary who's being irresponsible with money?"</li>
  <li>"Should I pay cash for one rental property or leverage debt to buy multiple at once?"</li>
  <li>"Should I pull money from retirement to pay off debt?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠⁠⁠Download the free <em>Ramsey Network</em> app! ⁠⁠⁠</a></p>
<p>🙋‍♂️ <a href="https://airtable.com/appsGq0IWhAJQyzqd/pag5sqk5wIrPEKKcq/form">⁠Submit your story to have a chance to be featured on <em>90 Day Money Makeover</em>⁠</a></p>
<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a></p>
<p>📊 <a href="https://ter.li/kzd9yi">⁠⁠⁠⁠</a><a href="https://ter.li/zbyy3m">⁠Free Tools &amp; Resources to Help You With Investing⁠</a><strong></strong></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠<strong>Field of Greens</strong>⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠ <strong>Laurel Road</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠<strong>Timothy Plan</strong>⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6808</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9f8b44ee-3b15-11f0-bd8a-cfeaad87f57d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1836936749.mp3?updated=1749050622" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Financial Spiral Will End When A Proven Financial Plan Begins</title>
      <description>📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?"

  "I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off."

  "How do we get ahead while living paycheck-to-paycheck?"

  "My girlfriend hasn't paid me back the money I loaned her."

  "My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?"

  "I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing!"

  "My girlfriend is pressuring me to buy a house, should I listen to her?"

  "Is it okay to encourage my wife's family to sell their property?"

  "My fiancée and I make less than $1,500 month, how do we get by with so little income?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

 🔗 ⁠Share the Ramsey 101 Playlist!⁠

📱 ⁠Download the free Ramsey Network app! ⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📈 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Mon, 02 Jun 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠



Ken Coleman and Jade Warshaw answer your questions and discuss:


  "Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?"

  "I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off."

  "How do we get ahead while living paycheck-to-paycheck?"

  "My girlfriend hasn't paid me back the money I loaned her."

  "My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?"

  "I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing!"

  "My girlfriend is pressuring me to buy a house, should I listen to her?"

  "Is it okay to encourage my wife's family to sell their property?"

  "My fiancée and I make less than $1,500 month, how do we get by with so little income?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

 🔗 ⁠Share the Ramsey 101 Playlist!⁠

📱 ⁠Download the free Ramsey Network app! ⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 ⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

📈 ⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠ALDI⁠


  Get 10% off your first month of⁠ BetterHelp⁠


  Go to ⁠Boost Mobile⁠ to switch today!

  Learn more about⁠ Christian Healthcare Ministries⁠


  Get started today with⁠ Churchill Mortgage⁠


  Get 20% off when you join ⁠DeleteMe⁠


  Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

  Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠Health Trust Financial⁠


  To find out more about student loan refinancing, check out⁠ Laurel Road⁠


  Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠


  Visit⁠ NetSuite⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠


  Learn more about ⁠Timothy Plan⁠


  Get started with ⁠YRefy⁠ or call 844-2-RAMSEY

  Visit⁠ Zander Insurance⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?"</li>
  <li>"I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off."</li>
  <li>"How do we get ahead while living paycheck-to-paycheck?"</li>
  <li>"My girlfriend hasn't paid me back the money I loaned her."</li>
  <li>"My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?"</li>
  <li>"I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing!"</li>
  <li>"My girlfriend is pressuring me to buy a house, should I listen to her?"</li>
  <li>"Is it okay to encourage my wife's family to sell their property?"</li>
  <li>"My fiancée and I make less than $1,500 month, how do we get by with so little income?"</li>
<p><br></p>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p> 🔗 <a href="https://ter.li/m7272s">⁠Share the Ramsey 101 Playlist!⁠</a></p>
<p>📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-06-02&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;c=rna_trs_june_evergreen&amp;af_ad=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=rna_trs_june_evergreen&amp;utm_term=ramsey_network_bu&amp;utm_content=rna_trs_june_evergreen%20-%20shownotes%20-%20download%20the%20free%20ramsey%20network%20app%20-%20060225">⁠Download the free <em>Ramsey Network</em> app! ⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠</a></p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/kzd9yi">⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠<strong>ALDI</strong>⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠ <strong>BetterHelp</strong>⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠<strong>Boost Mobile</strong>⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠ <strong>Christian Healthcare Ministries</strong>⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠ <strong>Churchill Mortgage</strong>⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠<strong>DeleteMe</strong>⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠ <strong>FAIRWINDS Credit Union</strong>⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠<strong>Field of Greens</strong>⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠<strong>Health Trust Financial</strong>⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠ <strong>Laurel Road</strong>⁠</a>
</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠<strong>Mama Bear Legal Forms</strong>⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠ <strong>NetSuite</strong>⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠<strong>The Nokbox</strong>⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠<strong>Timothy Plan</strong>⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠<strong>YRefy</strong>⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠ <strong>Zander Insurance</strong>⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6856</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9f3daefa-3b15-11f0-bd8a-a324d57c6af0]]></guid>
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    </item>
    <item>
      <title>You Can't Build Wealth with Financial Chaos Around You</title>
      <description>📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Should I take back my car from my brother?"

  "Can we make our relationship work with financial differences?"

  "Crazy manipulative" dad expects son to pay him $2,800 a month.

  "Sell rental houses to invest in bitcoin?"

  "I threatened the credit card companies and now I'm scared."




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠
🏠 ⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠
👩‍❤️‍💋‍👨 ⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Fri, 30 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Jade Warshaw and Ken Coleman answer your questions and discuss:


  "Should I take back my car from my brother?"

  "Can we make our relationship work with financial differences?"

  "Crazy manipulative" dad expects son to pay him $2,800 a month.

  "Sell rental houses to invest in bitcoin?"

  "I threatened the credit card companies and now I'm scared."




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠
🏠 ⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠
👩‍❤️‍💋‍👨 ⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Jade Warshaw and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should I take back my car from my brother?"</li>
  <li>"Can we make our relationship work with financial differences?"</li>
  <li>"Crazy manipulative" dad expects son to pay him $2,800 a month.</li>
  <li>"Sell rental houses to invest in bitcoin?"</li>
  <li>"I threatened the credit card companies and now I'm scared."</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a>
🏠 <a href="https://ter.li/7o8lqd">⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠</a>
👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠⁠⁠⁠Get tickets for Money &amp; Marriage Getaway.⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6838</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b414fabc-1fbe-11f0-be95-6b597cc8aa80]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4477873074.mp3?updated=1748640904" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dumb Debt Decisions Won't Accelerate Your Financial Growth</title>
      <description>📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I be going further into debt to hire lawyers to fight a custody battle with my ex-wife?" 

  "How do we come up with a down payment to buy a Canadian fishing lodge?"

  "My financial planner doesn’t want me to sell my whole life insurance policies"

  "My dad took out Parent PLUS loans for me and my sisters. He says it's our fault that he's broke and that we owe him". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app.⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠
📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠
💰 ⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠



Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠

To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠

Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</description>
      <pubDate>Thu, 29 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠



Dave Ramsey and Jade Warshaw answer your questions and discuss:


  "Should I be going further into debt to hire lawyers to fight a custody battle with my ex-wife?" 

  "How do we come up with a down payment to buy a Canadian fishing lodge?"

  "My financial planner doesn’t want me to sell my whole life insurance policies"

  "My dad took out Parent PLUS loans for me and my sisters. He says it's our fault that he's broke and that we owe him". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app.⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠
📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠
💰 ⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠



Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠

To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠⁠

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠

Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 



Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should I be going further into debt to hire lawyers to fight a custody battle with my ex-wife?" </li>
  <li>"How do we come up with a down payment to buy a Canadian fishing lodge?"</li>
  <li>"My financial planner doesn’t want me to sell my whole life insurance policies"</li>
  <li>"My dad took out Parent PLUS loans for me and my sisters. He says it's our fault that he's broke and that we owe him". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> 
📱 <a href="https://ter.li/m6wtrp">⁠⁠⁠Watch the full episode for free in the <em>Ramsey Network</em> app.⁠⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠</a>
📈 <a href="https://ter.li/kzd9yi">⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠</a>
💰 <a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<p>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</p>
<p>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</p>
<p>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</p>
<p>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</p>
<p>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</p>
<p>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </p>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6826</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b439c89c-1fbe-11f0-be95-3fac85c0401b]]></guid>
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    </item>
    <item>
      <title>You Can’t Fix Your Money Problems Without Facing Them</title>
      <description>📈 ⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I buy a car in the midst of a divorce?" 

  "How do I pay off my $1.8 million of debt?" 

  "What do you think about companies displaying 'tariff costs' on their prices?" 

  "How do I get my girlfriend and I on the same page financially?"

  "Our mortgage broker won't put me on the mortgage because I don't have any credit."

  "I'm behind on my bills, how do I get out of $35k of debt?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app.⁠⁠

💰 ⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠
🏠 ⁠⁠Get organized and prepared to buy or sell a home.⁠

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠



Dave Ramsey and Rachel Cruze answer your questions and discuss:


  "How do I buy a car in the midst of a divorce?" 

  "How do I pay off my $1.8 million of debt?" 

  "What do you think about companies displaying 'tariff costs' on their prices?" 

  "How do I get my girlfriend and I on the same page financially?"

  "Our mortgage broker won't put me on the mortgage because I don't have any credit."

  "I'm behind on my bills, how do I get out of $35k of debt?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠⁠ 
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app.⁠⁠

💰 ⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠
🏠 ⁠⁠Get organized and prepared to buy or sell a home.⁠

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠



Connect with our Sponsors:


  Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠


  Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠


  Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

  Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠


  Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠


  Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠


  Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

  Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY

  Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠


  To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠⁠


  Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more

  Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠


  Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠⁠


  Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"How do I buy a car in the midst of a divorce?" </li>
  <li>"How do I pay off my $1.8 million of debt?" </li>
  <li>"What do you think about companies displaying 'tariff costs' on their prices?" </li>
  <li>"How do I get my girlfriend and I on the same page financially?"</li>
  <li>"Our mortgage broker won't put me on the mortgage because I don't have any credit."</li>
  <li>"I'm behind on my bills, how do I get out of $35k of debt?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠⁠</a> 
📱 <a href="https://ter.li/zzyn6k">⁠⁠⁠Watch the full episode for free in the <em>Ramsey Network</em> app.⁠⁠</a></p>
<p>💰 <a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠</a>
🏠 <a href="https://ter.li/7o8lqd">⁠⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
  <li>Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
  <li>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a>
</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
      </content:encoded>
      <itunes:duration>6745</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b55b8634-1fbe-11f0-be95-83b37fbbbaca]]></guid>
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    </item>
    <item>
      <title>The Faster You Attack Your Debt - The Faster You Achieve Financial Freedom </title>
      <description>📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My aunt is trying to steal our inheritance. Should I help my mom cover lawyer fees?"

  "I haven't filed taxes in 15 years, how do I apply for tax forgiveness?"

  "I'm $180,000 in debt. How can I clean up this mess?"

  "Should I go into student loan debt for a bachelor's degree?"

  "How much should we spend to save our dog?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway.⁠
💰 ⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠



Dave Ramsey and Dr. John Delony answer your questions and discuss:


  "My aunt is trying to steal our inheritance. Should I help my mom cover lawyer fees?"

  "I haven't filed taxes in 15 years, how do I apply for tax forgiveness?"

  "I'm $180,000 in debt. How can I clean up this mess?"

  "Should I go into student loan debt for a bachelor's degree?"

  "How much should we spend to save our dog?"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

👩‍❤️‍💋‍👨 ⁠Get tickets for Money &amp; Marriage Getaway.⁠
💰 ⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠</a></p>
<p><br></p>
<p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"My aunt is trying to steal our inheritance. Should I help my mom cover lawyer fees?"</li>
  <li>"I haven't filed taxes in 15 years, how do I apply for tax forgiveness?"</li>
  <li>"I'm $180,000 in debt. How can I clean up this mess?"</li>
  <li>"Should I go into student loan debt for a bachelor's degree?"</li>
  <li>"How much should we spend to save our dog?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>👩‍❤️‍💋‍👨 <a href="https://ter.li/x1bii2">⁠Get tickets for Money &amp; Marriage Getaway.⁠</a>
💰 <a href="https://ter.li/r2gdvd">⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong></a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6760</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b57e2748-1fbe-11f0-be95-c31f3ff94748]]></guid>
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    </item>
    <item>
      <title>The Most Loving Thing You Can Do Is Be Honest About Money</title>
      <description>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:


  
Husband doesn't want to share his inheritance



  
My mom took out credit cards in my name



  
My terminally ill wife hid debt from me.



  
Sister-in-law wants us to pay for her vacation.



  
Am I doing the right things to leave a legacy?



  
My friend is committing fraud, what can I do?




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💰⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Mon, 26 May 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:


  
Husband doesn't want to share his inheritance



  
My mom took out credit cards in my name



  
My terminally ill wife hid debt from me.



  
Sister-in-law wants us to pay for her vacation.



  
Am I doing the right things to leave a legacy?



  
My friend is committing fraud, what can I do?




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💰⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a>

Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>
<p>Husband doesn't want to share his inheritance</p>
</li>
  <li>
<p>My mom took out credit cards in my name</p>
</li>
  <li>
<p>My terminally ill wife hid debt from me.</p>
</li>
  <li>
<p>Sister-in-law wants us to pay for her vacation.</p>
</li>
  <li>
<p>Am I doing the right things to leave a legacy?</p>
</li>
  <li>
<p>My friend is committing fraud, what can I do?</p>
</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6651</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b679a23a-1fbe-11f0-be95-77157cba4892]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6594097440.mp3?updated=1747929859" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sacrifice Now To Secure Your Financial Future</title>
      <description>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:


  "I'm being quiet fired. What should I do?"

  " I have eight different lines of credit and I'm drowning in minimum payments. What can I do?"

  "Can I ask my employee for a breakdown of his personal finances so I can figure out how much to pay him?"

  "How do I budget with my girlfriend after we move in together?"

  "I lost money after my employer changed 401(k) providers. Is this normal?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💰⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠



Connect with our Sponsors:


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  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




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  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Fri, 23 May 2025 22:14:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:


  "I'm being quiet fired. What should I do?"

  " I have eight different lines of credit and I'm drowning in minimum payments. What can I do?"

  "Can I ask my employee for a breakdown of his personal finances so I can figure out how much to pay him?"

  "How do I budget with my girlfriend after we move in together?"

  "I lost money after my employer changed 401(k) providers. Is this normal?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💰⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

🏠 ⁠Get organized and prepared to buy or sell a home.⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a>

Ken Coleman and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"I'm being quiet fired. What should I do?"</li>
  <li>" I have eight different lines of credit and I'm drowning in minimum payments. What can I do?"</li>
  <li>"Can I ask my employee for a breakdown of his personal finances so I can figure out how much to pay him?"</li>
  <li>"How do I budget with my girlfriend after we move in together?"</li>
  <li>"I lost money after my employer changed 401(k) providers. Is this normal?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
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</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
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</ul>
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  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
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</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
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</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6843</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b3f1d0a0-1fbe-11f0-be95-e3c8c764720a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6748787262.mp3?updated=1748038789" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Obsessing Over Pennies While Ignoring the Plan</title>
      <description>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  "Should we go through with a lawsuit to sue my brother?"

  "How do I pay off debt and spend time with my daughter after my wife left us?"

  "Should we take out a loan to build a mother-in-law suite?"

  "Are mortgage companies that offer 1% down a legitimate way to get a house?"

  "Should I continue paying my car off or have it voluntarily repossessed?"

  "How can we work out way out of debt that we're underwater on?"

  "Should I move in with my mom in order to pay off debt?"

  "I feel bad spending money on a pool even though I'm on Baby Step 7"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠
❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget.⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 22 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:


  "Should we go through with a lawsuit to sue my brother?"

  "How do I pay off debt and spend time with my daughter after my wife left us?"

  "Should we take out a loan to build a mother-in-law suite?"

  "Are mortgage companies that offer 1% down a legitimate way to get a house?"

  "Should I continue paying my car off or have it voluntarily repossessed?"

  "How can we work out way out of debt that we're underwater on?"

  "Should I move in with my mom in order to pay off debt?"

  "I feel bad spending money on a pool even though I'm on Baby Step 7"




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💵 ⁠Start your free budget today. Download the EveryDollar app!⁠

📈 ⁠For help with investing, get connected with a SmartVestor Pro.⁠
❤️‍🩹 ⁠⁠Get trusted insurance coverage that fits your budget.⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠




Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a>

George Kamel and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"Should we go through with a lawsuit to sue my brother?"</li>
  <li>"How do I pay off debt and spend time with my daughter after my wife left us?"</li>
  <li>"Should we take out a loan to build a mother-in-law suite?"</li>
  <li>"Are mortgage companies that offer 1% down a legitimate way to get a house?"</li>
  <li>"Should I continue paying my car off or have it voluntarily repossessed?"</li>
  <li>"How can we work out way out of debt that we're underwater on?"</li>
  <li>"Should I move in with my mom in order to pay off debt?"</li>
  <li>"I feel bad spending money on a pool even though I'm on Baby Step 7"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠Start your free budget today. Download the EveryDollar app!⁠</a></p>
<p>📈 <a href="https://ter.li/kzd9yi">⁠For help with investing, get connected with a SmartVestor Pro.⁠</a>
❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p>
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6806</itunes:duration>
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    </item>
    <item>
      <title>Everyone Makes Financial Mistakes – Don’t Let Yours Define You</title>
      <description>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Jade Warshaw and George Kamel answer your questions and discuss:


  "How do we move forward with a bridge loan and a house that isn't sold?"

  "My wife wants a divorce. How do I handle my finances while going through this?"

  Jade and George discuss their biggest financial mistakes,

  "My husband and I don't agree on where to live in retirement. How do we come to an agreement?"

  "Should I sign up for a debt relief program?"

  "My realtor doesn't want me to sell my rental. Is she right?"

  "How do I cut up my credit cards when I love the reward points?"

  "My car was repossessed and sold. How do I pay off the balance now?"

  "Is it wrong to sell my wife’s engagement ring and band ? "




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

🏠 ⁠Get organized and prepared to buy or sell a home.⁠

💰⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Wed, 21 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Jade Warshaw and George Kamel answer your questions and discuss:


  "How do we move forward with a bridge loan and a house that isn't sold?"

  "My wife wants a divorce. How do I handle my finances while going through this?"

  Jade and George discuss their biggest financial mistakes,

  "My husband and I don't agree on where to live in retirement. How do we come to an agreement?"

  "Should I sign up for a debt relief program?"

  "My realtor doesn't want me to sell my rental. Is she right?"

  "How do I cut up my credit cards when I love the reward points?"

  "My car was repossessed and sold. How do I pay off the balance now?"

  "Is it wrong to sell my wife’s engagement ring and band ? "




Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

🏠 ⁠Get organized and prepared to buy or sell a home.⁠

💰⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠

💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a>

Jade Warshaw and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"How do we move forward with a bridge loan and a house that isn't sold?"</li>
  <li>"My wife wants a divorce. How do I handle my finances while going through this?"</li>
  <li>Jade and George discuss their biggest financial mistakes,</li>
  <li>"My husband and I don't agree on where to live in retirement. How do we come to an agreement?"</li>
  <li>"Should I sign up for a debt relief program?"</li>
  <li>"My realtor doesn't want me to sell my rental. Is she right?"</li>
  <li>"How do I cut up my credit cards when I love the reward points?"</li>
  <li>"My car was repossessed and sold. How do I pay off the balance now?"</li>
  <li>"Is it wrong to sell my wife’s engagement ring and band ? "</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p>🏠 <a href="https://ter.li/7o8lqd">⁠Get organized and prepared to buy or sell a home.⁠</a></p>
<p>💰<a href="https://ter.li/r2gdvd">⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠</a></p>
<p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6833</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b536acf6-1fbe-11f0-be95-b763642e7936]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7374436290.mp3?updated=1747863140" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Chasing Easy Money Always Ends in Regret</title>
      <description>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "Should I help my new husband pay off his debt?"

  "Should my son hire an attorney to investigate a crypto scam?"

  "Should I keep my job if I'm only making $850 a month?"

  "I'm making $30-90k a month day trading. Should I get into real estate?"

  "Should my husband and I help my Dad before he loses everything?"

  Liam Payne, Who Died Without a Will, Left $32 Million Estate

  The 3rd anniversary of #horsegate 🐴

  "I don't feel like I'm getting what I deserve from the family business. How should I talk to my dad?"


Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠





Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</description>
      <pubDate>Tue, 20 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:


  "Should I help my new husband pay off his debt?"

  "Should my son hire an attorney to investigate a crypto scam?"

  "Should I keep my job if I'm only making $850 a month?"

  "I'm making $30-90k a month day trading. Should I get into real estate?"

  "Should my husband and I help my Dad before he loses everything?"

  Liam Payne, Who Died Without a Will, Left $32 Million Estate

  The 3rd anniversary of #horsegate 🐴

  "I don't feel like I'm getting what I deserve from the family business. How should I talk to my dad?"


Next Steps:

✅ ⁠⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠





Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠⁠</a>
📱 ⁠⁠⁠Watch the full episode for free in the <em>Ramsey Network</em> app. ⁠⁠⁠</p>
<p>George Kamel and Rachel Cruze answer your questions and discuss:</p>
<ul>
  <li>"Should I help my new husband pay off his debt?"</li>
  <li>"Should my son hire an attorney to investigate a crypto scam?"</li>
  <li>"Should I keep my job if I'm only making $850 a month?"</li>
  <li>"I'm making $30-90k a month day trading. Should I get into real estate?"</li>
  <li>"Should my husband and I help my Dad before he loses everything?"</li>
  <li>Liam Payne, Who Died Without a Will, Left $32 Million Estate</li>
  <li>The 3rd anniversary of #horsegate 🐴</li>
  <li>"I don't feel like I'm getting what I deserve from the family business. How should I talk to my dad?"</li>
</ul>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠⁠</a> </p>
<p><strong>💵</strong><a href="https://ter.li/zrukjd">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><strong> </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/kzd9yi">⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠</a><a href="https://ter.li/zrukjd">⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6801</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b5a1151e-1fbe-11f0-be95-0f25a31a31c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9137197379.mp3?updated=1747772012" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Won't Win With Money If You're Not Aligned With A Plan</title>
      <description>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠⁠



Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "How do I teach my daughter good money skills?"

  "My wife doesn't want us to invest in the stock market, how do I convince her to do this?" 

  "My fiancée won a medical malpractice lawsuit and will get $1.3 million, how should we use this money?"

  "Would it be a financial mistake to move to an expensive area in order to train in a prestigious program?"

  "My fiancée is concerned about the terms in our prenup, how do we work through this?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠
🏠 ⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</description>
      <pubDate>Mon, 19 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠
📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠⁠



Rachel Cruze and Jade Warshaw answer your questions and discuss:


  "How do I teach my daughter good money skills?"

  "My wife doesn't want us to invest in the stock market, how do I convince her to do this?" 

  "My fiancée won a medical malpractice lawsuit and will get $1.3 million, how should we use this money?"

  "Would it be a financial mistake to move to an expensive area in order to train in a prestigious program?"

  "My fiancée is concerned about the terms in our prenup, how do we work through this?". 




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠
🏠 ⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a>
📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-05-12&amp;showid=8fc63700-3a85-4690-9f82-797041eddea9&amp;deep_link_value=episode&amp;navigationtype=episode&amp;c=finishtheshow_official&amp;af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20051225&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=finishtheshow_official&amp;utm_term=ramsey_network_bu&amp;utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20051225">⁠⁠⁠Watch the full episode for free in the <em>Ramsey Network</em> app. ⁠⁠⁠</a></p>
<p><br></p>
<p>Rachel Cruze and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"How do I teach my daughter good money skills?"</li>
  <li>"My wife doesn't want us to invest in the stock market, how do I convince her to do this?" </li>
  <li>"My fiancée won a medical malpractice lawsuit and will get $1.3 million, how should we use this money?"</li>
  <li>"Would it be a financial mistake to move to an expensive area in order to train in a prestigious program?"</li>
  <li>"My fiancée is concerned about the terms in our prenup, how do we work through this?". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p><strong>💵</strong><a href="https://ter.li/zrukjd">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><strong> </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠Get trusted insurance coverage that fits your budget.⁠</a>
🏠 <a href="https://ter.li/7o8lqd">⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠</a></p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠</a></p>]]>
      </content:encoded>
      <itunes:duration>6818</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b656fed8-1fbe-11f0-be95-abf6a150ef7c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1812354926.mp3?updated=1747690155" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Build a Life You Love While Carrying Everyone Else’s Burdens</title>
      <description>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

John Delony and Jade Warshaw answer your questions and discuss:


  "I'm $350k in debt with a baby on the way"

  "Is it realistic to have a wedding for $10,000?"

  "My fiancée bought a home with her mother 20 years ago. How do we get her off the mortgage?"

  "My dad retired at 49 then asked me to lend him money to pay off his debt"

  "Does my girlfriend love me or just want to get married for citizenship?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Fri, 16 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

John Delony and Jade Warshaw answer your questions and discuss:


  "I'm $350k in debt with a baby on the way"

  "Is it realistic to have a wedding for $10,000?"

  "My fiancée bought a home with her mother 20 years ago. How do we get her off the mortgage?"

  "My dad retired at 49 then asked me to lend him money to pay off his debt"

  "Does my girlfriend love me or just want to get married for citizenship?"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a>

John Delony and Jade Warshaw answer your questions and discuss:</p>
<ul>
  <li>"I'm $350k in debt with a baby on the way"</li>
  <li>"Is it realistic to have a wedding for $10,000?"</li>
  <li>"My fiancée bought a home with her mother 20 years ago. How do we get her off the mortgage?"</li>
  <li>"My dad retired at 49 then asked me to lend him money to pay off his debt"</li>
  <li>"Does my girlfriend love me or just want to get married for citizenship?"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>💵</strong><a href="https://ter.li/zrukjd">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><strong> </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>6800</itunes:duration>
      <guid isPermaLink="false"><![CDATA[b3cdc8fe-1fbe-11f0-be95-17575fb96896]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1265675235.mp3?updated=1747430875" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Time to Grow Up and Own Your Life</title>
      <description>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠
📱 ⁠Watch the full episode for free in the Ramsey Network app.⁠

John Delony and George Kamel answer your questions and discuss:


  "Should we financially support our mother after she was abusive to me and my siblings?"

  "How do I recover after being scammed out of half my life savings?"

  "How do I get my fiancé to commit to paying off his debt?"

  "How do we balance saving for our kids' future vs. having more fun in the present?"

  "How do we get out of the cycle of being underpaid and living in poverty?"

  "My husband has no interest in combining our finances"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




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  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</description>
      <pubDate>Thu, 15 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠
📱 ⁠Watch the full episode for free in the Ramsey Network app.⁠

John Delony and George Kamel answer your questions and discuss:


  "Should we financially support our mother after she was abusive to me and my siblings?"

  "How do I recover after being scammed out of half my life savings?"

  "How do I get my fiancé to commit to paying off his debt?"

  "How do we balance saving for our kids' future vs. having more fun in the present?"

  "How do we get out of the cycle of being underpaid and living in poverty?"

  "My husband has no interest in combining our finances"




Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.⁠

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠



Connect with our Sponsors:


  🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠




  🌱 Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠




  📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!



  🏥 Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠




  🏡 Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠




  🔒 Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠




  🏦 Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!



  🥗 Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY



  ⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠




  💸 To find out more about student loan refinancing, check out⁠⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠⁠




  💻 Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more



  🗂️ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠




  💵 Learn more about ⁠⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠⁠




  🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY

  🔐 Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 




Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠



⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">⁠⁠⁠⁠⁠<u>Are you on track with the Baby Steps? Get a Free Personalized Plan</u>⁠⁠⁠⁠⁠</a>
📱 <a href="https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&amp;broadcastdate=2025-05-15&amp;showid=8fc63700-3a85-4690-9f82-797041eddea9&amp;deep_link_value=episode&amp;navigationtype=episode&amp;c=finishtheshow_official&amp;af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20051525&amp;pid=podcast%20-%20internal&amp;af_channel=podcast_the_ramsey_show%20-%20megaphone&amp;utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=finishtheshow_official&amp;utm_term=ramsey_network_bu&amp;utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20051525">⁠Watch the full episode for free in the <em>Ramsey Network</em> app.⁠</a>

John Delony and George Kamel answer your questions and discuss:</p>
<ul>
  <li>"Should we financially support our mother after she was abusive to me and my siblings?"</li>
  <li>"How do I recover after being scammed out of half my life savings?"</li>
  <li>"How do I get my fiancé to commit to paying off his debt?"</li>
  <li>"How do we balance saving for our kids' future vs. having more fun in the present?"</li>
  <li>"How do we get out of the cycle of being underpaid and living in poverty?"</li>
  <li>"My husband has no interest in combining our finances"</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✅ <a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠<u>Help us make the show better by taking this short survey!</u>⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠<u>send us an email.</u>⁠⁠⁠⁠⁠</a> </p>
<p>❤️‍🩹 <a href="https://ter.li/vbjoeq">⁠Get trusted insurance coverage that fits your budget.⁠</a></p>
<p>💰<a href="https://ter.li/r2gdvd">⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>💵</strong><a href="https://ter.li/zrukjd">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><strong> </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><strong>Connect with our Sponsors:</strong></p>
<ul>
  <li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠<strong>Aldi</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>📱Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠</a> to switch today!</li>
</ul>
<ul>
  <li>🏥 Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏡 Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏦 Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
</ul>
<ul>
  <li>🥗 Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey">⁠⁠⁠⁠⁠<strong>Field of Greens</strong>⁠⁠⁠⁠⁠</a> order with code RAMSEY</li>
</ul>
<ul>
  <li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey">⁠⁠⁠⁠⁠ <strong>Laurel Road</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💻 Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠</a> today to learn more</li>
</ul>
<ul>
  <li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey">⁠⁠⁠⁠⁠<strong>The Nokbox</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>💵 Learn more about <a href="https://www.timothyplan.com">⁠⁠⁠⁠⁠<strong>Timothy Plan</strong>⁠⁠⁠⁠⁠</a>
</li>
</ul>
<ul>
  <li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY</li>
  <li>🔐 Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠</a></p>
<p><br></p>
<p><br></p>]]>
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    <item>
      <title>Focused People Build Wealth—Distracted People Stay Broke</title>
      <description></description>
      <pubDate>Wed, 14 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>6802</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7783911892.mp3?updated=1747258259" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Credit Is a Crutch—It’s Time to Walk Without It</title>
      <description></description>
      <pubDate>Tue, 13 May 2025 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>6829</itunes:duration>
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    </item>
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      <title>Life Happens—But Your Plan Doesn’t Have to Fall Apart</title>
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      <pubDate>Mon, 12 May 2025 21:00:00 -0000</pubDate>
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      <pubDate>Thu, 08 May 2025 21:00:00 -0000</pubDate>
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      <title>Stop Overthinking and Start Taking Action</title>
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      <pubDate>Wed, 07 May 2025 21:00:00 -0000</pubDate>
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      <title>Your Bank Balance Is a Reflection of Your Habits</title>
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      <pubDate>Tue, 06 May 2025 21:00:00 -0000</pubDate>
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      <title>Big Dreams Require Big Sacrifices</title>
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      <pubDate>Mon, 05 May 2025 21:00:00 -0000</pubDate>
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      <title>You Can Make Progress Even When It Feels Impossible</title>
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      <pubDate>Fri, 02 May 2025 21:45:00 -0000</pubDate>
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      <title>Don’t Let Self-Limitations Keep You From Building Wealth</title>
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      <title>Your Feelings Don’t Build Wealth — Discipline Does</title>
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      <pubDate>Wed, 30 Apr 2025 20:00:00 -0000</pubDate>
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      <title>Budgeting Leads You out of Debt &amp; Into Wealth</title>
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      <pubDate>Tue, 29 Apr 2025 20:00:00 -0000</pubDate>
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      <title>Stop Messing Around &amp; Follow the Plan That’s Proven To Work</title>
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      <title>When Are You Going To Clean Up Your Financial Mess?</title>
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      <pubDate>Thu, 24 Apr 2025 20:30:00 -0000</pubDate>
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      <title>Don’t Let Panic Influence Your Financial Decisions</title>
      <description>📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"We are falling behind on Baby Step 2. Should we get a debt consolidation loan?"

"How do we help my father-in-law get out of debt?"

"Should we change our rate of retirement investing?"

" I completely trashed my credit and now I can't find a place to rent,"

"Everyone is telling me to file for bankruptcy, what should I do?"

"What should I do with my $200,000 inheritance?"


Next Steps:
✅ Help us make the show better by taking this short survey!
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. 
🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today
﻿🏘️ Find a Ramsey Trusted Real Estate Agent
💵 Start your free budget today. Download the EveryDollar app!

Connect with our Sponsors:

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🔒 Get 20% off when you join DeleteMe


🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!


🥗 Save 15% on your first Field of Greens order with code RAMSEY

⛨ Find top Health Insurance Plans at Health Trust Financial


💸 To find out more about student loan refinancing, check out Laurel Road


💻 Visit NetSuite today to learn more

🗂️ Use promo code RAMSEY for 18% off at The Nokbox



💵 Learn more about Timothy Plan


🏛 Get started with YRefy or call 844-2-RAMSEY

🔐 Visit Zander Insurance for your free instant quote today! 


Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 23 Apr 2025 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"We are falling behind on Baby Step 2. Should we get a debt consolidation loan?"

"How do we help my father-in-law get out of debt?"

"Should we change our rate of retirement investing?"

" I completely trashed my credit and now I can't find a place to rent,"

"Everyone is telling me to file for bankruptcy, what should I do?"

"What should I do with my $200,000 inheritance?"


Next Steps:
✅ Help us make the show better by taking this short survey!
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. 
🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today
﻿🏘️ Find a Ramsey Trusted Real Estate Agent
💵 Start your free budget today. Download the EveryDollar app!

Connect with our Sponsors:

🛒 Stop paying more and start shopping smarter at Aldi


🌱 Get 10% off your first month of BetterHelp


📱Go to Boost Mobile to switch today!

🏥 Learn more about Christian Healthcare Ministries


🏡 Get started today with Churchill Mortgage


🔒 Get 20% off when you join DeleteMe


🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!


🥗 Save 15% on your first Field of Greens order with code RAMSEY

⛨ Find top Health Insurance Plans at Health Trust Financial


💸 To find out more about student loan refinancing, check out Laurel Road


💻 Visit NetSuite today to learn more

🗂️ Use promo code RAMSEY for 18% off at The Nokbox



💵 Learn more about Timothy Plan


🏛 Get started with YRefy or call 844-2-RAMSEY

🔐 Visit Zander Insurance for your free instant quote today! 


Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>📈 </strong><a href="https://ter.li/degkjb">Are you on track with the Baby Steps? Get a Free Personalized Plan</a></p><p><br></p><p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"We are falling behind on Baby Step 2. Should we get a debt consolidation loan?"</li>
<li>"How do we help my father-in-law get out of debt?"</li>
<li>"Should we change our rate of retirement investing?"</li>
<li>" I completely trashed my credit and now I can't find a place to rent,"</li>
<li>"Everyone is telling me to file for bankruptcy, what should I do?"</li>
<li>"What should I do with my $200,000 inheritance?"</li>
</ul><p><br></p><p><strong>Next Steps:</strong></p><p>✅ <a href="https://ter.li/3rtsm1">Help us make the show better by taking this short survey!</a></p><p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">send us an email.</a> </p><p>🎟️ <a href="https://ter.li/zrukjd">Dave Ramsey and John Delony are going on tour this month! Get tickets today</a></p><p>﻿🏘️ <a href="https://ter.li/aqvr5f">Find a Ramsey Trusted Real Estate Agent</a></p><p><strong>💵 </strong><a href="https://www.ramseysolutions.com/debt/debt-everydollar-free">Start your free budget today. Download the EveryDollar app!</a></p><p><br></p><p><strong>Connect with our Sponsors:</strong></p><ul>
<li>🛒 Stop paying more and start shopping smarter at <a href="https://aldi.us/"><strong>Aldi</strong></a>
</li>
<li>🌱 Get 10% off your first month of<a href="https://www.betterhelp.com/Delony"> <strong>BetterHelp</strong></a>
</li>
<li>📱Go to <a href="https://www.boostmobile.com/ramsey"><strong>Boost Mobile</strong></a> to switch today!</li>
<li>🏥 Learn more about<a href="https://www.chministries.org/budget"> <strong>Christian Healthcare Ministries</strong></a>
</li>
<li>🏡 Get started today with<a href="https://www.churchillmortgage.com/"> <strong>Churchill Mortgage</strong></a>
</li>
<li>🔒 Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey"><strong>DeleteMe</strong></a>
</li>
<li>🏦 Go to<a href="https://www.fairwinds.org/ramsey"> <strong>FAIRWINDS Credit Union</strong></a> for an exclusive account bundle!</li>
<li>
<strong>🥗</strong> Save 15% on your first <a href="https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&amp;affluencerId=Dave%20Ramsey"><strong>Field of Greens</strong></a> order with code RAMSEY</li>
<li>⛨ Find top Health Insurance Plans at <a href="https://www.healthtrustfinancial.com/"><strong>Health Trust Financial</strong></a>
</li>
<li>💸 To find out more about student loan refinancing, check out<a href="https://www.laurelroad.com/Ramsey"> <strong>Laurel Road</strong></a>
</li>
<li>💻 Visit<a href="https://www.netsuite.com/Ramsey"> <strong>NetSuite</strong></a> today to learn more</li>
<li>🗂️ Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey"><strong>The Nokbox</strong></a>
</li>
<li>
<strong>💵 Learn more about </strong><a href="https://www.timothyplan.com/"><strong>Timothy Plan</strong></a>
</li>
<li>🏛 Get started with <a href="https://www.yrefy.com/Ramsey"><strong>YRefy</strong></a> or call 844-2-RAMSEY</li>
<li>🔐 Visit<a href="https://www.zander.com/"> <strong>Zander Insurance</strong></a> for your free instant quote today! </li>
</ul><p><br></p><p><strong>Explore more from Ramsey Network:</strong></p><p>💸 <a href="https://ter.li/wgti1o">The Ramsey Show Highlights</a></p><p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">The Dr. John Delony Show</a></p><p>🍸 <a href="https://ter.li/knqmos">Smart Money Happy Hour</a></p><p>💡 <a href="https://ter.li/rzj8ja">The Rachel Cruze Show</a></p><p>💰 <a href="https://ter.li/awxjwi">George Kamel</a></p><p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">Front Row Seat with Ken Coleman</a></p><p>📈 <a href="https://ter.li/2y2cn3">EntreLeadership</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy"><strong>Ramsey Solutions Privacy Policy</strong></a></p>]]>
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      <title>Don’t Throw Away Your Long-Term Security for Quick Fixes</title>
      <description></description>
      <pubDate>Tue, 22 Apr 2025 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>You Can’t Borrow Your Way to Freedom</title>
      <description></description>
      <pubDate>Mon, 21 Apr 2025 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>Money Stress Isn’t Always About Money</title>
      <description></description>
      <pubDate>Fri, 18 Apr 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>Wealth Magnifies Who You Already Are</title>
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      <pubDate>Thu, 17 Apr 2025 22:00:00 -0000</pubDate>
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      <pubDate>Wed, 16 Apr 2025 21:40:00 -0000</pubDate>
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      <title>It’s Not Too Late to Get Back on Financial Track</title>
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      <pubDate>Tue, 15 Apr 2025 22:16:00 -0000</pubDate>
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      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7537</itunes:duration>
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    </item>
    <item>
      <title>The Road to Financial Freedom Begins With Hard Choices</title>
      <description></description>
      <pubDate>Thu, 16 Jan 2025 22:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7506</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9839434178.mp3?updated=1737066973" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Draw a Line in the Sand and Say “I’m Done!”</title>
      <description></description>
      <pubDate>Wed, 15 Jan 2025 23:01:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7560</itunes:duration>
      <guid isPermaLink="false"><![CDATA[934168b4-908c-11ef-9f6f-fbdf9b2d7dc0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6651595378.mp3?updated=1736981995" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There’s Always a Way out of a Financial Spiral</title>
      <description></description>
      <pubDate>Tue, 14 Jan 2025 22:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7574</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9317b488-908c-11ef-9f6f-5fb892942e58]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4518106477.mp3?updated=1736894196" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Be Prepared: Math Doesn’t Care About Your Life Situations</title>
      <description></description>
      <pubDate>Mon, 13 Jan 2025 22:50:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7520</itunes:duration>
      <guid isPermaLink="false"><![CDATA[92ef2f22-908c-11ef-9f6f-e773ac2824ef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4019406424.mp3?updated=1736808714" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Never Too Late to Clean Up a Financial Mess</title>
      <description></description>
      <pubDate>Fri, 10 Jan 2025 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7792</itunes:duration>
      <guid isPermaLink="false"><![CDATA[921eb2a2-908c-11ef-9f6f-5f789f0fe8f4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2129531245.mp3?updated=1736564986" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Road to Financial Freedom Is Paved With Grit</title>
      <description></description>
      <pubDate>Thu, 09 Jan 2025 22:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7492</itunes:duration>
      <guid isPermaLink="false"><![CDATA[92491556-908c-11ef-9f6f-fb447a3f4f90]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9739557262.mp3?updated=1736462088" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Toxic Money Situations Keep You Trapped</title>
      <description></description>
      <pubDate>Wed, 08 Jan 2025 22:59:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7528</itunes:duration>
      <guid isPermaLink="false"><![CDATA[92720de4-908c-11ef-9f6f-13469e332353]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8843280924.mp3?updated=1736376912" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out</title>
      <description></description>
      <pubDate>Tue, 07 Jan 2025 22:46:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7536</itunes:duration>
      <guid isPermaLink="false"><![CDATA[929cb738-908c-11ef-9f6f-4bfacb104ccd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8961814977.mp3?updated=1736289859" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life Is More Than Just a Set of Numbers</title>
      <description></description>
      <pubDate>Mon, 06 Jan 2025 22:43:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7498</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7372444092.mp3?updated=1736203340" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Change Your Life TODAY!</title>
      <description></description>
      <pubDate>Fri, 03 Jan 2025 22:47:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7498</itunes:duration>
      <guid isPermaLink="false"><![CDATA[91f3d316-908c-11ef-9f6f-c782bed3f953]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6508352703.mp3?updated=1735943886" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Income Is Your Greatest Wealth Building Tool</title>
      <description></description>
      <pubDate>Thu, 02 Jan 2025 22:46:00 -0000</pubDate>
      <itunes:title>Your Income Is Your Greatest Wealth Building Tool</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>7512</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7684330550.mp3?updated=1735858130" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Mindset Matters More Than Your Money</title>
      <description>While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

Dave Ramsey &amp; George Kamel answer your questions and discuss:

‘We've been looking for a house for 9 years.’

'How do I save a $1 million inheritance?’

‘How much should we help our daughter?’

‘Liquidate my investments and buy crypto? '

‘My husband's side hustle doesn't make money’

'Should I pay taxes on cash income?'</description>
      <pubDate>Wed, 01 Jan 2025 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

Dave Ramsey &amp; George Kamel answer your questions and discuss:

‘We've been looking for a house for 9 years.’

'How do I save a $1 million inheritance?’

‘How much should we help our daughter?’

‘Liquidate my investments and buy crypto? '

‘My husband's side hustle doesn't make money’

'Should I pay taxes on cash income?'</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!</p><p><br></p><p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>‘We've been looking for a house for 9 years.’</li>
<li>'How do I save a $1 million inheritance?’</li>
<li>‘How much should we help our daughter?’</li>
<li>‘Liquidate my investments and buy crypto? '</li>
<li>‘My husband's side hustle doesn't make money’</li>
<li>'Should I pay taxes on cash income?'</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>7304</itunes:duration>
      <guid isPermaLink="false"><![CDATA[919ea8b4-908c-11ef-9f6f-4fba585982e6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3588577858.mp3?updated=1734736412" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Let Debt Happen To You—Face It Head-On</title>
      <description>While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

George Kamel &amp; Rachel Cruze answer your questions and discuss:

‘My sister took advantage of our sick mom’

‘$200K in consumer debt, declare bankruptcy?’

‘My husband's boss is a pig, should he leave?’

‘Restaurant waiters are keeping all my cash'

‘How do we handle our son's car getting stolen?’

'How do I become a $100 millionaire by 30?'</description>
      <pubDate>Tue, 31 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

George Kamel &amp; Rachel Cruze answer your questions and discuss:

‘My sister took advantage of our sick mom’

‘$200K in consumer debt, declare bankruptcy?’

‘My husband's boss is a pig, should he leave?’

‘Restaurant waiters are keeping all my cash'

‘How do we handle our son's car getting stolen?’

'How do I become a $100 millionaire by 30?'</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!</p><p><br></p><p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>‘My sister took advantage of our sick mom’</li>
<li>‘$200K in consumer debt, declare bankruptcy?’</li>
<li>‘My husband's boss is a pig, should he leave?’</li>
<li>‘Restaurant waiters are keeping all my cash'</li>
<li>‘How do we handle our son's car getting stolen?’</li>
<li>'How do I become a $100 millionaire by 30?'</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>7415</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9176333e-908c-11ef-9f6f-f788bd4c455f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6842741307.mp3?updated=1734707597" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Financial Peace Starts With Clear Boundaries</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

‘My new husband is almost $1 million in debt’

'My in-laws loaned us $40K, what should we do?’

‘How beneficial is it to close my credit cards?’

‘How do I choose a financial advisor?'

‘Can I fix my marriage after getting out of debt?’

'My parents send us a bill whenever they visit.'.</description>
      <pubDate>Mon, 30 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

‘My new husband is almost $1 million in debt’

'My in-laws loaned us $40K, what should we do?’

‘How beneficial is it to close my credit cards?’

‘How do I choose a financial advisor?'

‘Can I fix my marriage after getting out of debt?’

'My parents send us a bill whenever they visit.'.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!</p><p><br></p><p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>‘My new husband is almost $1 million in debt’</li>
<li>'My in-laws loaned us $40K, what should we do?’</li>
<li>‘How beneficial is it to close my credit cards?’</li>
<li>‘How do I choose a financial advisor?'</li>
<li>‘Can I fix my marriage after getting out of debt?’</li>
<li>'My parents send us a bill whenever they visit.'.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>7385</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9146e3b8-908c-11ef-9f6f-37ec555859c7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1674796631.mp3?updated=1734736186" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How A Bigger Paycheck Could Lead To Bigger Problems</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

John Delony &amp; George Kamel answer your questions and discuss:

‘We make $330K and live paycheck to paycheck'

'Is my mother-in-law is trying to cause a rift?’

‘I feel guilty for spending money on therapy’

‘I'm 15, how can I help my parents financially?'

‘Dealing with my husband's gambling addiction’

'We've been living in a hotel for 3 months.'</description>
      <pubDate>Fri, 27 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

John Delony &amp; George Kamel answer your questions and discuss:

‘We make $330K and live paycheck to paycheck'

'Is my mother-in-law is trying to cause a rift?’

‘I feel guilty for spending money on therapy’

‘I'm 15, how can I help my parents financially?'

‘Dealing with my husband's gambling addiction’

'We've been living in a hotel for 3 months.'</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!</p><p><br></p><p>John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>‘We make $330K and live paycheck to paycheck'</li>
<li>'Is my mother-in-law is trying to cause a rift?’</li>
<li>‘I feel guilty for spending money on therapy’</li>
<li>‘I'm 15, how can I help my parents financially?'</li>
<li>‘Dealing with my husband's gambling addiction’</li>
<li>'We've been living in a hotel for 3 months.'</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>7477</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9074d292-908c-11ef-9f6f-073552afef50]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7011303709.mp3?updated=1734735857" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Define Your Future By Setting The Right Financial Priorities</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

‘Quit my two remote jobs to take one hybrid?'

'We couldn't agree on money so we broke up.’

‘Are we teaching our kids that credit is OK?’

‘Use emergency fund for daughter's quinceanera?'

‘I made an agreement for a house I can't afford.’

‘How much should I spend on a wedding ring?’</description>
      <pubDate>Thu, 26 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

‘Quit my two remote jobs to take one hybrid?'

'We couldn't agree on money so we broke up.’

‘Are we teaching our kids that credit is OK?’

‘Use emergency fund for daughter's quinceanera?'

‘I made an agreement for a house I can't afford.’

‘How much should I spend on a wedding ring?’</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!</p><p><br></p><p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>‘Quit my two remote jobs to take one hybrid?'</li>
<li>'We couldn't agree on money so we broke up.’</li>
<li>‘Are we teaching our kids that credit is OK?’</li>
<li>‘Use emergency fund for daughter's quinceanera?'</li>
<li>‘I made an agreement for a house I can't afford.’</li>
<li>‘How much should I spend on a wedding ring?’</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>6869</itunes:duration>
      <guid isPermaLink="false"><![CDATA[909e4a00-908c-11ef-9f6f-77de1e54a26a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6878449380.mp3?updated=1734735771" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Hardest Decisions Are Often About Money &amp; Relationships</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

John Delony &amp; Jade Warshaw answer your questions and discuss:

‘Should I talk to my wife's toxic boss?'

'Is it OK to accept $1M from my in-laws?’

‘My mom lied about paying my student loans.’

‘I blew $50K after leaving an abusive relationship.'

‘My mom is boycotting my wedding rehearsal’

'Our house was destroyed by a tornado'</description>
      <pubDate>Wed, 25 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

John Delony &amp; Jade Warshaw answer your questions and discuss:

‘Should I talk to my wife's toxic boss?'

'Is it OK to accept $1M from my in-laws?’

‘My mom lied about paying my student loans.’

‘I blew $50K after leaving an abusive relationship.'

‘My mom is boycotting my wedding rehearsal’

'Our house was destroyed by a tornado'</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!</p><p><br></p><p>John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>‘Should I talk to my wife's toxic boss?'</li>
<li>'Is it OK to accept $1M from my in-laws?’</li>
<li>‘My mom lied about paying my student loans.’</li>
<li>‘I blew $50K after leaving an abusive relationship.'</li>
<li>‘My mom is boycotting my wedding rehearsal’</li>
<li>'Our house was destroyed by a tornado'</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>6711</itunes:duration>
      <guid isPermaLink="false"><![CDATA[90c7b886-908c-11ef-9f6f-e775f9992be6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7172589913.mp3?updated=1734735518" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Letting Money Conflicts Tear Your Relationships Apart</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

‘Father-in-law is selling us whole life insurance’

'Brother isn't buying us out of an inherited home’

‘Open a food truck or a brick and mortar?’

‘My wife &amp; I don't share the same views financially'

‘Am I hurting my family's financial future?’

'Will I even be able to become debt free?'</description>
      <pubDate>Tue, 24 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

‘Father-in-law is selling us whole life insurance’

'Brother isn't buying us out of an inherited home’

‘Open a food truck or a brick and mortar?’

‘My wife &amp; I don't share the same views financially'

‘Am I hurting my family's financial future?’

'Will I even be able to become debt free?'</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!</p><p><br></p><p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>‘Father-in-law is selling us whole life insurance’</li>
<li>'Brother isn't buying us out of an inherited home’</li>
<li>‘Open a food truck or a brick and mortar?’</li>
<li>‘My wife &amp; I don't share the same views financially'</li>
<li>‘Am I hurting my family's financial future?’</li>
<li>'Will I even be able to become debt free?'</li>
</ul>]]>
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      <itunes:duration>7342</itunes:duration>
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      <title>Financial Chaos Can Derail Your Future</title>
      <description>While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

‘I haven't filed taxes since 2020’

'I don't feel like we can catch up on our finances’

‘My mom did a home remodel without permits’

‘Fiancée's parents want me to sign a prenup'

‘What do I do after losing my business to a fire?’

Discussion about what "being managed out" means.</description>
      <pubDate>Mon, 23 Dec 2024 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary>While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

‘I haven't filed taxes since 2020’

'I don't feel like we can catch up on our finances’

‘My mom did a home remodel without permits’

‘Fiancée's parents want me to sign a prenup'

‘What do I do after losing my business to a fire?’

Discussion about what "being managed out" means.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!</p><p><br></p><p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>‘I haven't filed taxes since 2020’</li>
<li>'I don't feel like we can catch up on our finances’</li>
<li>‘My mom did a home remodel without permits’</li>
<li>‘Fiancée's parents want me to sign a prenup'</li>
<li>‘What do I do after losing my business to a fire?’</li>
<li>Discussion about what "being managed out" means.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>7427</itunes:duration>
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      <title>Your Future Self Deserves Better Choices Today</title>
      <description></description>
      <pubDate>Fri, 20 Dec 2024 22:48:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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        <![CDATA[]]>
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      <itunes:duration>7527</itunes:duration>
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    <item>
      <title>Broke Is Normal—Do You Really Want to Be Like Everyone Else?</title>
      <description></description>
      <pubDate>Thu, 19 Dec 2024 22:39:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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    <item>
      <title>It’s Our 2024 Annual Giving Show!</title>
      <description></description>
      <pubDate>Wed, 18 Dec 2024 23:02:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7499</itunes:duration>
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      <title>You Can’t Win With Money if You Keep Ignoring the Real Problem</title>
      <description></description>
      <pubDate>Tue, 17 Dec 2024 23:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7464</itunes:duration>
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    <item>
      <title>Delayed Gratification Is a Key Ingredient to Building Wealth</title>
      <description></description>
      <pubDate>Mon, 16 Dec 2024 22:49:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:duration>7465</itunes:duration>
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      <title>Your Debt Should Make You Uncomfortable</title>
      <description></description>
      <pubDate>Fri, 13 Dec 2024 22:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7505</itunes:duration>
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      <title>To Change Your Results You Have To Change Your Behavior</title>
      <description></description>
      <pubDate>Thu, 12 Dec 2024 22:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:summary></itunes:summary>
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      <itunes:duration>7534</itunes:duration>
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    <item>
      <title>How to Escape Living Paycheck to Paycheck</title>
      <description></description>
      <pubDate>Wed, 11 Dec 2024 22:46:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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        <![CDATA[]]>
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      <itunes:duration>7475</itunes:duration>
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      <title>If You Want To Be a Millionaire, Do What Millionaires Do</title>
      <description></description>
      <pubDate>Tue, 10 Dec 2024 22:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7457</itunes:duration>
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    <item>
      <title>Building Wealth Starts With Setting Aggressive Goals</title>
      <description></description>
      <pubDate>Mon, 09 Dec 2024 22:48:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7438</itunes:duration>
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    <item>
      <title>Don’t Overcomplicate Building Wealth, Keep It Simple</title>
      <description></description>
      <pubDate>Fri, 06 Dec 2024 22:40:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
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      <itunes:duration>7431</itunes:duration>
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      <title>Get Out of the Cycle of Debt and Choose Peace Instead</title>
      <description></description>
      <pubDate>Thu, 05 Dec 2024 22:44:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7485</itunes:duration>
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    <item>
      <title>Don’t Let Your Present Circumstances Define Your Future</title>
      <description></description>
      <pubDate>Wed, 04 Dec 2024 22:47:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
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      <itunes:duration>7513</itunes:duration>
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    <item>
      <title>Debt Is a Trap That Will Hold You Back From Building Wealth</title>
      <description></description>
      <pubDate>Tue, 03 Dec 2024 22:58:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
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      <itunes:duration>7401</itunes:duration>
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    <item>
      <title>Debt Is Never the Problem, It’s Always the Symptom</title>
      <description></description>
      <pubDate>Mon, 02 Dec 2024 22:44:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle/>
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      <itunes:duration>7492</itunes:duration>
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      <title>A Large Income Won’t Protect You From Debt</title>
      <description></description>
      <pubDate>Fri, 29 Nov 2024 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>Bad Money Habits and Good Relationships Don’t Mix</title>
      <description></description>
      <pubDate>Thu, 28 Nov 2024 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:duration>7488</itunes:duration>
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      <title>Are you Stuck in the Paycheck-to-Paycheck Grind?</title>
      <description></description>
      <pubDate>Wed, 27 Nov 2024 22:51:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:duration>7439</itunes:duration>
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      <title>You Can’t Outearn Bad Spending Habits Forever</title>
      <description></description>
      <pubDate>Tue, 26 Nov 2024 23:02:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>Building Wealth Is About More Than Just Math</title>
      <description></description>
      <pubDate>Mon, 25 Nov 2024 22:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:duration>7421</itunes:duration>
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      <title>Affordable Gifts People Will Actually Love</title>
      <description></description>
      <pubDate>Sat, 23 Nov 2024 14:00:00 -0000</pubDate>
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      <title>What if You Could Build a Life That Didn’t Exhaust You?</title>
      <description></description>
      <pubDate>Fri, 22 Nov 2024 22:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <title>What Are You Willing To Sacrifice To Get Out of Debt?</title>
      <description></description>
      <pubDate>Thu, 21 Nov 2024 22:57:00 -0000</pubDate>
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      <title>Building Wealth Is a Journey – Don’t Rush the Process</title>
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      <pubDate>Wed, 20 Nov 2024 22:53:00 -0000</pubDate>
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      <title>Don’t Look for a Hack When You Need a Grind</title>
      <description></description>
      <pubDate>Tue, 19 Nov 2024 22:37:00 -0000</pubDate>
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      <title>Learn the Power of the Magical Word, “NO”</title>
      <description></description>
      <pubDate>Mon, 18 Nov 2024 22:45:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e04c946c-27dd-11ee-bd52-775b6e704a09]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9082705543.mp3?updated=1691613340" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can You Build Wealth on a Modest Salary? (Hour 1)</title>
      <description></description>
      <pubDate>Wed, 09 Aug 2023 19:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[<p><br></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[114c413a-27dd-11ee-81ea-dbe8c6a5274d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7668804037.mp3?updated=1691609752" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Living In $1 Trillion Of Plastic Denial! (Hour 3)</title>
      <description></description>
      <pubDate>Tue, 08 Aug 2023 21:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b38b88b0-27de-11ee-a19c-c7ecd18bf281]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7937555600.mp3?updated=1691530598" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Passive Income Is TikTok Mythology (Hour 2)</title>
      <description></description>
      <pubDate>Tue, 08 Aug 2023 20:36:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>2535</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e03c4c1a-27dd-11ee-bd52-c360fa5ec72a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3105151609.mp3?updated=1691526923" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Mortgage Rates Aren't As High As You Think (Hour 1)</title>
      <description></description>
      <pubDate>Tue, 08 Aug 2023 19:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[113dc060-27dd-11ee-81ea-038ec0524b02]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9682362005.mp3?updated=1691525051" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Mother Is a Travel Agent for Guilt Trips! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How do I help my parents plan for retirement?"

Getting an apartment without a credit score,

from the blog: Living Without a Credit Score,

"Should I pay off my house if I'm going to sell?"

"Should we sell a paid off rental to pay off debt?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
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Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Aug 2023 21:42:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How do I help my parents plan for retirement?"

Getting an apartment without a credit score,

from the blog: Living Without a Credit Score,

"Should I pay off my house if I'm going to sell?"

"Should we sell a paid off rental to pay off debt?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/jaderachel">Click Here</a></p><ul>
<li>"How do I help my parents plan for retirement?"</li>
<li>Getting an apartment without a credit score,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without a Credit Score</a>,</li>
<li>"Should I pay off my house if I'm going to sell?"</li>
<li>"Should we sell a paid off rental to pay off debt?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b37af25c-27de-11ee-a19c-0f36028e4e18]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4127796854.mp3?updated=1691444180" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are Russia &amp; China Going To Destroy The US Economy? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Will BRICS put the strength of the US Dollar in jeopardy?"

"What should I do about my student loans?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"Should I pay off my car or house first?"

"How can I stay gazelle intense in Baby Step 2?"

"Should I repair or replace my car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Aug 2023 20:44:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Will BRICS put the strength of the US Dollar in jeopardy?"

"What should I do about my student loans?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"Should I pay off my car or house first?"

"How can I stay gazelle intense in Baby Step 2?"

"Should I repair or replace my car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/jaderachel">Click Here</a></p><ul>
<li>"Will BRICS put the strength of the US Dollar in jeopardy?"</li>
<li>"What should I do about my student loans?"</li>
<li class="ql-indent-1">
<a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs-student-loans-2023">Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans</a>,</li>
<li>"Should I pay off my car or house first?"</li>
<li>"How can I stay gazelle intense in Baby Step 2?"</li>
<li>"Should I repair or replace my car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e02bc8c2-27dd-11ee-bd52-fbc2003ddc51]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5009308127.mp3?updated=1691440824" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is the Real Reason To Get Out of Debt… (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Update on a call from last week,

"Should we sell our house to get out of debt?"

"How can I find extra money to pay off debt?"

"Should I put down more than 20% on my home build?"

"Should I save for a house at 69 years old?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Aug 2023 19:52:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Update on a call from last week,

"Should we sell our house to get out of debt?"

"How can I find extra money to pay off debt?"

"Should I put down more than 20% on my home build?"

"Should I save for a house at 69 years old?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/jaderachel%20">Click Here</a></p><ul>
<li>Update on a call from last week,</li>
<li>"Should we sell our house to get out of debt?"</li>
<li>"How can I find extra money to pay off debt?"</li>
<li>"Should I put down more than 20% on my home build?"</li>
<li>"Should I save for a house at 69 years old?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[112ea18e-27dd-11ee-81ea-dbb5ac149956]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6583487803.mp3?updated=1691437450" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Be Investing Right Now? (Hour 3)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Should I buy a tiny house?"

"How should I be investing right now?"

from the blog: How to Start Investing in 2023: A Beginner’s Guide,

"Is it ever okay to pause the baby steps?"

"How do I become a millionaire?"

from the blog: How to Become a Millionaire



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Aug 2023 21:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Should I buy a tiny house?"

"How should I be investing right now?"

from the blog: How to Start Investing in 2023: A Beginner’s Guide,

"Is it ever okay to pause the baby steps?"

"How do I become a millionaire?"

from the blog: How to Become a Millionaire



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"Should I buy a tiny house?"</li>
<li>"How should I be investing right now?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start Investing in 2023: A Beginner’s Guide</a>,</li>
<li>"Is it ever okay to pause the baby steps?"</li>
<li>"How do I become a millionaire?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-become-a-millionaire?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Become a Millionaire</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ea26f058-0c54-11ee-8cc4-bbe54537b536]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5815410145.mp3?updated=1691184738" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have To Get Angry About Your Debt! (Hour 2)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"I don't know where to start with my debt"

What is "Girl Dinner"?

"How do I handle medical debt in collections?"

"I'm about to lose my job and I have a lot of debt"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Aug 2023 20:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"I don't know where to start with my debt"

What is "Girl Dinner"?

"How do I handle medical debt in collections?"

"I'm about to lose my job and I have a lot of debt"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"I don't know where to start with my debt"</li>
<li>What is "Girl Dinner"?</li>
<li>"How do I handle medical debt in collections?"</li>
<li>"I'm about to lose my job and I have a lot of debt"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9531486a-0c53-11ee-abef-43002a2f5d02]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4003894111.mp3?updated=1691181367" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy a House or Rent? (Hour 1)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How can I start my financial journey as a recovering addict?"

"Should I buy a house or continue renting?"

from the blog: Should I Rent or Buy a House?


The importance of fun money when budgeting in marriage.

from the blog: Why You Need Some Fun Money in Your Budget,

Which debt should I pay off first as a single mom?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
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Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Aug 2023 19:35:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How can I start my financial journey as a recovering addict?"

"Should I buy a house or continue renting?"

from the blog: Should I Rent or Buy a House?


The importance of fun money when budgeting in marriage.

from the blog: Why You Need Some Fun Money in Your Budget,

Which debt should I pay off first as a single mom?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"How can I start my financial journey as a recovering addict?"</li>
<li>"Should I buy a house or continue renting?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>The importance of fun money when budgeting in marriage.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/fun-money-in-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why You Need Some Fun Money in Your Budget</a>,</li>
<li>Which debt should I pay off first as a single mom?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80d299d8-0c52-11ee-9187-a3e245372fb2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9635537899.mp3?updated=1691177721" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Unemployed Husband Bought a $300,000 Car and Refuses To Sell It (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"My husband bought a $300K McLaren before getting laid off and now refuses to sell it,"

Why whole life insurance sucks,

from the blog: What Is Whole Life Insurance?


"Should I buy a house with cash?"

Why you should always pay IRS debt first

from the blog: What Debt Do You Pay Off First?


"How do I go to dental school without borrowing money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Aug 2023 21:36:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"My husband bought a $300K McLaren before getting laid off and now refuses to sell it,"

Why whole life insurance sucks,

from the blog: What Is Whole Life Insurance?


"Should I buy a house with cash?"

Why you should always pay IRS debt first

from the blog: What Debt Do You Pay Off First?


"How do I go to dental school without borrowing money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"My husband bought a $300K McLaren before getting laid off and now refuses to sell it,"</li>
<li>Why whole life insurance sucks,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/whole-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Whole Life Insurance?</a>
</li>
<li>"Should I buy a house with cash?"</li>
<li>Why you should always pay IRS debt first</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/what-debt-do-i-pay-off-first?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Debt Do You Pay Off First?</a>
</li>
<li>"How do I go to dental school without borrowing money?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2476</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ea103fe8-0c54-11ee-8cc4-3f68b7c48ba1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3004655381.mp3?updated=1691098658" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get on a Plan and Get in Control of You Money! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Is it worth it to move closer to work?"

"What's the best way to save for kid's education if I'm not sure they will go to college?"

"What taxes should I expect when paying off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Aug 2023 20:39:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Is it worth it to move closer to work?"

"What's the best way to save for kid's education if I'm not sure they will go to college?"

"What taxes should I expect when paying off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"Is it worth it to move closer to work?"</li>
<li>"What's the best way to save for kid's education if I'm not sure they will go to college?"</li>
<li>"What taxes should I expect when paying off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2483</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[951d0cc4-0c53-11ee-abef-3f3f426e882d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1248757008.mp3?updated=1691094996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Playing With a Barrel Full of Snakes for $3,000! (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Get John's new book, Building a Non-Anxious Life,

"Should I take out student loans to invest in the market?"

from the blog: Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"How do I talk to my friend about his terrible money habits?"

"How do I buy a car without debt?"

from the blog: The Truth About Financing a Car



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Aug 2023 19:53:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Get John's new book, Building a Non-Anxious Life,

"Should I take out student loans to invest in the market?"

from the blog: Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"How do I talk to my friend about his terrible money habits?"

"How do I buy a car without debt?"

from the blog: The Truth About Financing a Car



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>Get John's new book, <a href="https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Building a Non-Anxious Life</a>,</li>
<li>"Should I take out student loans to invest in the market?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs-student-loans-2023">Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans</a>,</li>
<li>"How do I talk to my friend about his terrible money habits?"</li>
<li>"How do I buy a car without debt?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/the-truth-about-financing-a-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Truth About Financing a Car</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80bb8d60-0c52-11ee-9187-730779b58b4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7659221105.mp3?updated=1691092115" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Fair" Is Where the Tilt-a-Whirl &amp; Cotton Candy Are (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
   EveryDollar, budget for the life you want today for free: Click Here

"How should I use my tax return?"

"How do I set up my inheritance well?"

"Should I use all my savings to pay off my student loans?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"Should we pay off our house before investing?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Aug 2023 21:36:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
   EveryDollar, budget for the life you want today for free: Click Here

"How should I use my tax return?"

"How do I set up my inheritance well?"

"Should I use all my savings to pay off my student loans?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"Should we pay off our house before investing?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>   EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"How should I use my tax return?"</li>
<li>"How do I set up my inheritance well?"</li>
<li>"Should I use all my savings to pay off my student loans?"</li>
<li class="ql-indent-1">
<a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs-student-loans-2023">Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans</a>,</li>
<li>"Should we pay off our house before investing?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2479</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9fa5bf6-0c54-11ee-8cc4-eb31161690f8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3536274139.mp3?updated=1691012118" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can You Afford to Light $80,000 on Fire and Walk Away? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Can I afford to buy my dream car?"

Paying off $27K in credit card debt,

"Should I pull from my TSP?"

"Should I sell my car or pay it off?"

"Sell our house to pay off student loans?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Aug 2023 20:39:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Can I afford to buy my dream car?"

Paying off $27K in credit card debt,

"Should I pull from my TSP?"

"Should I sell my car or pay it off?"

"Sell our house to pay off student loans?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"Can I afford to buy my dream car?"</li>
<li>Paying off $27K in credit card debt,</li>
<li>"Should I pull from my TSP?"</li>
<li>"Should I sell my car or pay it off?"</li>
<li>"Sell our house to pay off student loans?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <guid isPermaLink="false"><![CDATA[950951f2-0c53-11ee-abef-0fc4c465755d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3676029749.mp3?updated=1691008557" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest in Real Estate? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Should I invest in real estate in Thailand?" 

"How fast should I pay off my debt?"

from the blog: How the Debt Snowball Method Works,

"Should I sell my house?"

"Use a business broker to sell my business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Aug 2023 19:44:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Should I invest in real estate in Thailand?" 

"How fast should I pay off my debt?"

from the blog: How the Debt Snowball Method Works,

"Should I sell my house?"

"Use a business broker to sell my business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"Should I invest in real estate in Thailand?" </li>
<li>"How fast should I pay off my debt?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>,</li>
<li>"Should I sell my house?"</li>
<li>"Use a business broker to sell my business?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80a4e45c-0c52-11ee-9187-53aad3facb74]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8903513771.mp3?updated=1691005078" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Get “Doc-itis” With Your $378K in Med School Debt! (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How can I pay off my debt without changing my lifestyle?" 

Catching up on retirement later in life.

"We have $378K in student loans, what can I do?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

Dealing with a nasty mold problem.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Aug 2023 21:34:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"How can I pay off my debt without changing my lifestyle?" 

Catching up on retirement later in life.

"We have $378K in student loans, what can I do?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

Dealing with a nasty mold problem.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"How can I pay off my debt without changing my lifestyle?" </li>
<li>Catching up on retirement later in life.</li>
<li>"We have $378K in student loans, what can I do?"</li>
<li class="ql-indent-1">
<a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs-student-loans-2023">Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans</a>,</li>
<li>Dealing with a nasty mold problem.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2481</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9e4ee42-0c54-11ee-8cc4-97a77827d434]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1284781693.mp3?updated=1690925727" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Establishing Money Boundaries With Family (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

 Get John's new book, Building a Non-Anxious Life,

Establishing money boundaries with siblings,

"Should I pay off my house early?"

from the blog: How to Pay Off Your Mortgage Early,

"How do I hold onto hope paying off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Aug 2023 20:43:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

 Get John's new book, Building a Non-Anxious Life,

Establishing money boundaries with siblings,

"Should I pay off my house early?"

from the blog: How to Pay Off Your Mortgage Early,

"How do I hold onto hope paying off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li> Get John's new book, <a href="https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Building a Non-Anxious Life</a>,</li>
<li>Establishing money boundaries with siblings,</li>
<li>"Should I pay off my house early?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>"How do I hold onto hope paying off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94f4eec4-0c53-11ee-abef-371fa42ad6bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3571476721.mp3?updated=1690924586" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Refuses To Combine Finances With Me (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Get John's new book, Building a Non-Anxious Life,

"My husband refuses to combine finances with me,"

"Should I pull from my 401(k) for a home down payment?"

"How can I convince my daughter not to get a credit card?"

"What's next now that I'm debt-free?"

Getting out of a land loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Aug 2023 19:40:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Get John's new book, Building a Non-Anxious Life,

"My husband refuses to combine finances with me,"

"Should I pull from my 401(k) for a home down payment?"

"How can I convince my daughter not to get a credit card?"

"What's next now that I'm debt-free?"

Getting out of a land loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>Get John's new book, <a href="https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Building a Non-Anxious Life</a>,</li>
<li>"My husband refuses to combine finances with me,"</li>
<li>"Should I pull from my 401(k) for a home down payment?"</li>
<li>"How can I convince my daughter not to get a credit card?"</li>
<li>"What's next now that I'm debt-free?"</li>
<li>Getting out of a land loan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance to win $3,000! <a href="https://bit.ly/TRSCashGiveaway">https://bit.ly/TRSCashGiveaway</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[808d7a6a-0c52-11ee-9187-f79a3cd58aa5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1587448701.mp3?updated=1690924597" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $134K in Student Loans (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
EveryDollar, budget for the life you want today for free: Click Here

"I have $134K in student loans,"

"Focus on paying off my car or saving for my wedding?"

"Should I sell my house and move into a cheaper home?"

Using car savings to pay off the house,

"How do we get back on track with your plan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Jul 2023 21:46:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
EveryDollar, budget for the life you want today for free: Click Here

"I have $134K in student loans,"

"Focus on paying off my car or saving for my wedding?"

"Should I sell my house and move into a cheaper home?"

Using car savings to pay off the house,

"How do we get back on track with your plan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><p>EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"I have $134K in student loans,"</li>
<li>"Focus on paying off my car or saving for my wedding?"</li>
<li>"Should I sell my house and move into a cheaper home?"</li>
<li>Using car savings to pay off the house,</li>
<li>"How do we get back on track with your plan?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9cce054-0c54-11ee-8cc4-f3fed9957de1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8603273890.mp3?updated=1690839250" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Even Ivy League Degrees Aren’t Worth Borrowing For (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Should my son take out loans for an Ivy League school?"

"How do I get around AI roadblocks when applying for jobs?

from the blog: How to Beat Applicant Tracking Systems (ATS),

"Should we surrender our motorcycles to avoid the payments?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Jul 2023 20:40:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

Should my son take out loans for an Ivy League school?"

"How do I get around AI roadblocks when applying for jobs?

from the blog: How to Beat Applicant Tracking Systems (ATS),

"Should we surrender our motorcycles to avoid the payments?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>Should my son take out loans for an Ivy League school?"</li>
<li>"How do I get around AI roadblocks when applying for jobs?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-beat-applicant-tracking-systems?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Beat Applicant Tracking Systems (ATS)</a>,</li>
<li>"Should we surrender our motorcycles to avoid the payments?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94e0aefa-0c53-11ee-abef-a79300aa0325]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8621299396.mp3?updated=1690835512" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Take Financial Advice From Broke People! (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Do I really not need to have a credit score?"

"Should my husband quit and start his own business?"

"Do I need to buy a house now before I get priced out?"

"Should I use my 403(b) to pay off my house?"

"What should we do with a million dollars?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Jul 2023 19:44:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:
  EveryDollar, budget for the life you want today for free: Click Here

"Do I really not need to have a credit score?"

"Should my husband quit and start his own business?"

"Do I need to buy a house now before I get priced out?"

"Should I use my 403(b) to pay off my house?"

"What should we do with a million dollars?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
Interested in advertising on The Ramsey Show? Click Here

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><p>  EveryDollar, budget for the life you want today for free: <a href="https://everydollar.onelink.me/7YvT/dave">Click Here</a></p><ul>
<li>"Do I really not need to have a credit score?"</li>
<li>"Should my husband quit and start his own business?"</li>
<li>"Do I need to buy a house now before I get priced out?"</li>
<li>"Should I use my 403(b) to pay off my house?"</li>
<li>"What should we do with a million dollars?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3cEP4n6">Click Here</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">Click Here</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">Click Here</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80768576-0c52-11ee-9187-3f12da40bd77]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2632744286.mp3?updated=1690832267" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest in a Vacation Home? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should we use my husband's severance to pay off our house?"

"Should I invest in a vacation home?"

"Is it wise to live with my mom until I have a down payment?"

"Should I pause investing to pay down our house?"

"I did the baby steps backwards"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Jul 2023 21:44:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should we use my husband's severance to pay off our house?"

"Should I invest in a vacation home?"

"Is it wise to live with my mom until I have a down payment?"

"Should I pause investing to pay down our house?"

"I did the baby steps backwards"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should we use my husband's severance to pay off our house?"</li>
<li>"Should I invest in a vacation home?"</li>
<li>"Is it wise to live with my mom until I have a down payment?"</li>
<li>"Should I pause investing to pay down our house?"</li>
<li>"I did the baby steps backwards"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9b5f0f6-0c54-11ee-8cc4-af69f80a96d7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9844296410.mp3?updated=1690580132" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should We Be Doing With Our Money? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I take an unwanted promotion to pay off debt?"

How technology is and isn't changing the workplace,

"What should we be doing with our money?"

"When is it OK to make a career change?"

"How do we budget an inconsistent income?"

"Do you have any tips on taxes and investing?"

"Can I afford to buy a house when I have debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Jul 2023 20:41:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I take an unwanted promotion to pay off debt?"

How technology is and isn't changing the workplace,

"What should we be doing with our money?"

"When is it OK to make a career change?"

"How do we budget an inconsistent income?"

"Do you have any tips on taxes and investing?"

"Can I afford to buy a house when I have debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I take an unwanted promotion to pay off debt?"</li>
<li>How technology is and isn't changing the workplace,</li>
<li>"What should we be doing with our money?"</li>
<li>"When is it OK to make a career change?"</li>
<li>"How do we budget an inconsistent income?"</li>
<li>"Do you have any tips on taxes and investing?"</li>
<li>"Can I afford to buy a house when I have debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94cc1ab2-0c53-11ee-abef-cf17306932da]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3798436624.mp3?updated=1690576463" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why the Debt Snowball Method Works Best (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I Invest in making passive income?"

Pausing paying off debt to cash flow a wedding,

"Do you still recommend stocks over gold?"

"How much car can we afford?" 

"How do I find a good work-life balance?"

"How do I increase my income?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Jul 2023 19:56:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I Invest in making passive income?"

Pausing paying off debt to cash flow a wedding,

"Do you still recommend stocks over gold?"

"How much car can we afford?" 

"How do I find a good work-life balance?"

"How do I increase my income?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I Invest in making passive income?"</li>
<li>Pausing paying off debt to cash flow a wedding,</li>
<li>"Do you still recommend stocks over gold?"</li>
<li>"How much car can we afford?" </li>
<li>"How do I find a good work-life balance?"</li>
<li>"How do I increase my income?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[805f228c-0c52-11ee-9187-e3f2cdccd50b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7114027456.mp3?updated=1690573497" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should I Be Investing? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should we sell our modular home?"

"Pay off student loans or save for a house?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"How much should I be investing?"

"Should I go back to school to become a nurse practitioner?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Jul 2023 21:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should we sell our modular home?"

"Pay off student loans or save for a house?"


Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,

"How much should I be investing?"

"Should I go back to school to become a nurse practitioner?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Should we sell our modular home?"</li>
<li>"Pay off student loans or save for a house?"</li>
<li class="ql-indent-1">
<a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs-student-loans-2023">Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans</a>,</li>
<li>"How much should I be investing?"</li>
<li>"Should I go back to school to become a nurse practitioner?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9a0aaca-0c54-11ee-8cc4-bb05c8d1904d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2333168624.mp3?updated=1690493571" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Screw Up Your Life With an AirBNB (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "I have $179K in ParentPLUS loans," 

"How much should we spend on a house?"

"Should we get into AirBNBs at our age?"

from the blog: How to Make Extra Money Using Airbnb,


The Babylon Bee joins to talk about the value of making fun of yourself,

"I can't get caught up on my bills"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Jul 2023 20:51:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "I have $179K in ParentPLUS loans," 

"How much should we spend on a house?"

"Should we get into AirBNBs at our age?"

from the blog: How to Make Extra Money Using Airbnb,


The Babylon Bee joins to talk about the value of making fun of yourself,

"I can't get caught up on my bills"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "I have $179K in ParentPLUS loans," </li>
<li>"How much should we spend on a house?"</li>
<li>"Should we get into AirBNBs at our age?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/how-airbnb-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make Extra Money Using Airbnb</a>,</li>
<li>
<em>The Babylon Bee</em> joins to talk about the value of making fun of yourself,</li>
<li>"I can't get caught up on my bills"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94b79d08-0c53-11ee-abef-338c48b326d1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9091459090.mp3?updated=1690490168" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Like We Can’t Keep Up With Our Money (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should we sell our condo?"

"How do I prepare to start a business?"

"I don't feel like we can catch up on our finances"

"How do I say no to a promotion?"

"I'm recently widowed; what should I do for work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Jul 2023 20:00:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should we sell our condo?"

"How do I prepare to start a business?"

"I don't feel like we can catch up on our finances"

"How do I say no to a promotion?"

"I'm recently widowed; what should I do for work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Should we sell our condo?"</li>
<li>"How do I prepare to start a business?"</li>
<li>"I don't feel like we can catch up on our finances"</li>
<li>"How do I say no to a promotion?"</li>
<li>"I'm recently widowed; what should I do for work?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80487320-0c52-11ee-9187-9b63661441f0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1675955073.mp3?updated=1690486325" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Not Gonna Like My Answer… (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Paying off debt while preparing to move."

"How do I negotiate my salary?"

"How should I prepare for inheritance tax?"

Talking to a mother-in-law about retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Jul 2023 21:37:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Paying off debt while preparing to move."

"How do I negotiate my salary?"

"How should I prepare for inheritance tax?"

Talking to a mother-in-law about retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Paying off debt while preparing to move."</li>
<li>"How do I negotiate my salary?"</li>
<li>"How should I prepare for inheritance tax?"</li>
<li>Talking to a mother-in-law about retirement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2306</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e98a269c-0c54-11ee-8cc4-e3ff9d12602b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3212989399.mp3?updated=1690407170" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Massively Successful People Are Also Colossal Failures (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should I sell my rental property?"

"Should we sell stocks to use as a down payment?"

"My in-laws took out a reverse mortgage,"

The stock market news no one is talking about,

"Should I buy my daughter's house and move in?"

"What's the best place to save our money?"

"Should I move out of my family's house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Jul 2023 20:45:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Should I sell my rental property?"

"Should we sell stocks to use as a down payment?"

"My in-laws took out a reverse mortgage,"

The stock market news no one is talking about,

"Should I buy my daughter's house and move in?"

"What's the best place to save our money?"

"Should I move out of my family's house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Should I sell my rental property?"</li>
<li>"Should we sell stocks to use as a down payment?"</li>
<li>"My in-laws took out a reverse mortgage,"</li>
<li>The stock market news no one is talking about,</li>
<li>"Should I buy my daughter's house and move in?"</li>
<li>"What's the best place to save our money?"</li>
<li>"Should I move out of my family's house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94a30294-0c53-11ee-abef-73558f6b25d3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5519217895.mp3?updated=1690403750" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With “Powdered Butt Syndrome” (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "How do I talk to my in-laws about retirement?"

Dave's take on universal basic income,

"What type of life insurance should we get?"

from the blog: Common Types of Life Insurance, Explained,

"Should I go back to school?"

"Will I be able to retire early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Jul 2023 19:41:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "How do I talk to my in-laws about retirement?"

Dave's take on universal basic income,

"What type of life insurance should we get?"

from the blog: Common Types of Life Insurance, Explained,

"Should I go back to school?"

"Will I be able to retire early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "How do I talk to my in-laws about retirement?"</li>
<li>Dave's take on universal basic income,</li>
<li>"What type of life insurance should we get?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/types-of-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Common Types of Life Insurance, Explained</a>,</li>
<li>"Should I go back to school?"</li>
<li>"Will I be able to retire early?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2480</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80319114-0c52-11ee-9187-cf4b4193e823]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1767988409.mp3?updated=1690400289" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Worried We’re Going To Run Out of Money (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"I'm worried we're going to run out of money,"

"I can't get my wife on the same financial page,"

"My student loans feel impossible to pay off,"


Take Control of Your Student Loans,

"I don't know what to focus on next financially"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Jul 2023 21:36:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"I'm worried we're going to run out of money,"

"I can't get my wife on the same financial page,"

"My student loans feel impossible to pay off,"


Take Control of Your Student Loans,

"I don't know what to focus on next financially"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"I'm worried we're going to run out of money,"</li>
<li>"I can't get my wife on the same financial page,"</li>
<li>"My student loans feel impossible to pay off,"</li>
<li class="ql-indent-1">
<a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Take Control of Your Student Loans</a>,</li>
<li>"I don't know what to focus on next financially"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e9734562-0c54-11ee-8cc4-8b499d63b041]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8051857665.mp3?updated=1690321046" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Dad Doesn’t Take Care of My Siblings (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My dad doesn't take care of my siblings,"

"Do cost-of-living raises make inflation worse?"

"When can I afford to upgrade my car?"

"How can I help my mom prepare to retire?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Jul 2023 20:28:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My dad doesn't take care of my siblings,"

"Do cost-of-living raises make inflation worse?"

"When can I afford to upgrade my car?"

"How can I help my mom prepare to retire?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"My dad doesn't take care of my siblings,"</li>
<li>"Do cost-of-living raises make inflation worse?"</li>
<li>"When can I afford to upgrade my car?"</li>
<li>"How can I help my mom prepare to retire?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2476</itunes:duration>
      <guid isPermaLink="false"><![CDATA[948de422-0c53-11ee-abef-ef011abea7ef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5836929934.mp3?updated=1690317161" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Budgeting on an Irregular Income (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My old lady and I are thinking about getting married..."

"Should we pay off our house or buy a new car?"

Budgeting on an irregular income,

from the blog: How to Budget With an Irregular Income,

"How do I get out of this mess I'm in?"

"Should I keep investing while paying off debt?"

from the blog: When You Should Stop Investing,

Keeping a home as a rental vs. selling it.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Jul 2023 20:17:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My old lady and I are thinking about getting married..."

"Should we pay off our house or buy a new car?"

Budgeting on an irregular income,

from the blog: How to Budget With an Irregular Income,

"How do I get out of this mess I'm in?"

"Should I keep investing while paying off debt?"

from the blog: When You Should Stop Investing,

Keeping a home as a rental vs. selling it.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"My old lady and I are thinking about getting married..."</li>
<li>"Should we pay off our house or buy a new car?"</li>
<li>Budgeting on an irregular income,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>,</li>
<li>"How do I get out of this mess I'm in?"</li>
<li>"Should I keep investing while paying off debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>,</li>
<li>Keeping a home as a rental vs. selling it.</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <guid isPermaLink="false"><![CDATA[801a52d8-0c52-11ee-9187-ef9895f7f78d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1421440823.mp3?updated=1690316350" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave Reacts to the F.I.R.E. Movement (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I'm scared my husband is retiring too early,"

Dave and Jade react to the F.I.R.E. movement,

What to do with profits following a divorce,

"Should we pay off debt or save for a car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! www.everydollar.com/jade

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Jul 2023 21:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I'm scared my husband is retiring too early,"

Dave and Jade react to the F.I.R.E. movement,

What to do with profits following a divorce,

"Should we pay off debt or save for a car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! www.everydollar.com/jade

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "I'm scared my husband is retiring too early,"</li>
<li>Dave and Jade react to the F.I.R.E. movement,</li>
<li>What to do with profits following a divorce,</li>
<li>"Should we pay off debt or save for a car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! <a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e95c94ca-0c54-11ee-8cc4-c3936ecfec66]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9628154134.mp3?updated=1692120998" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Being a Bunch of Spoiled Brats and Be Done With This! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "We disagree on whether or not to sell the house to get out of debt,"

Bank of America is screwing their customers? Shocker...

"How do I get rid of the car I just bought?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Jul 2023 20:43:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "We disagree on whether or not to sell the house to get out of debt,"

Bank of America is screwing their customers? Shocker...

"How do I get rid of the car I just bought?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "We disagree on whether or not to sell the house to get out of debt,"</li>
<li>Bank of America is screwing their customers? Shocker...</li>
<li>"How do I get rid of the car I just bought?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9479ed0a-0c53-11ee-abef-6fb566bbc823]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8677389706.mp3?updated=1690230922" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Spent $50K on Credit Cards Behind My Back (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "My wife spent $50,000 on credit cards without telling me",

from the blog: Overcoming Financial Infidelity,

"It feels like debt is my only option to get a car",

from the blog: How to Buy a Used Car Right Now,

"Am I morally obligated to pay for my kid's education or should they?"

"Do I have to cut up my final credit card even if I don't use it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! 
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Jul 2023 19:42:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "My wife spent $50,000 on credit cards without telling me",

from the blog: Overcoming Financial Infidelity,

"It feels like debt is my only option to get a car",

from the blog: How to Buy a Used Car Right Now,

"Am I morally obligated to pay for my kid's education or should they?"

"Do I have to cut up my final credit card even if I don't use it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! 
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "My wife spent $50,000 on credit cards without telling me",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/relationships/overcoming-financial-infidelity?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Overcoming Financial Infidelity</a>,</li>
<li>"It feels like debt is my only option to get a car",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-buy-a-used-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a Used Car Right Now</a>,</li>
<li>"Am I morally obligated to pay for my kid's education or should they?"</li>
<li>"Do I have to cut up my final credit card even if I don't use it?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! </p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8002f1b0-0c52-11ee-9187-1f0ebd80bc19]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9571405000.mp3?updated=1690229407" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Living In A Camper Won't Solve Your Money Problems (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 Why you should never take out a 401(k) loan as a down payment for a house,

from the blog: What Is a 401(k) Loan? And How Does It Work?


"Should I feel guilty for not wanting to combine finances with my future wife?" 

from the blog: How to Combine Finances as Newlyweds


How to budget on irregular income,

from the blog: How to Budget With an Irregular Income


The core of your life, work, relationships, and finances comes down to your mindset,

Why buying a camper to live in full time is a bad option to solving your money problems,

"Should I file bankruptcy to get rid of $200,000 of debt?"

from the blog: 6 Steps to Avoid Bankruptcy


How to make a career change without going into debt,

from the blog: How to Make a Career Change Midlife



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Jul 2023 21:39:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 Why you should never take out a 401(k) loan as a down payment for a house,

from the blog: What Is a 401(k) Loan? And How Does It Work?


"Should I feel guilty for not wanting to combine finances with my future wife?" 

from the blog: How to Combine Finances as Newlyweds


How to budget on irregular income,

from the blog: How to Budget With an Irregular Income


The core of your life, work, relationships, and finances comes down to your mindset,

Why buying a camper to live in full time is a bad option to solving your money problems,

"Should I file bankruptcy to get rid of $200,000 of debt?"

from the blog: 6 Steps to Avoid Bankruptcy


How to make a career change without going into debt,

from the blog: How to Make a Career Change Midlife



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Why you should never take out a 401(k) loan as a down payment for a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/401k-loan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a 401(k) Loan? And How Does It Work?</a>
</li>
<li>"Should I feel guilty for not wanting to combine finances with my future wife?" </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/newlyweds-what-do-we-need-to-know-about-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Combine Finances as Newlyweds</a>
</li>
<li>How to budget on irregular income,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>
</li>
<li>The core of your life, work, relationships, and finances comes down to your mindset,</li>
<li>Why buying a camper to live in full time is a bad option to solving your money problems,</li>
<li>"Should I file bankruptcy to get rid of $200,000 of debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-avoid-bankruptcy?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">6 Steps to Avoid Bankruptcy</a>
</li>
<li>How to make a career change without going into debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/changing-careers-midlife?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make a Career Change Midlife</a>
</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e94669ac-0c54-11ee-8cc4-534d4fa0e217]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5758305975.mp3?updated=1689975441" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do You Want A 4Runner Or A Fiancée? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to plan for a wedding when you owe back taxes to the IRS,

from the blog: Tax Debt Relief: How to Handle Back Taxes


Why it's up to you to determine your cost of living,

from the website: Ramsey Cost of Living Calculator


What to do with a severance when you've been laid off,

from the blog: What to Do if You're Laid Off


How to find other sources of income when your current income is changing,

from the blog: 34 Ways to Make Extra Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Jul 2023 20:39:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to plan for a wedding when you owe back taxes to the IRS,

from the blog: Tax Debt Relief: How to Handle Back Taxes


Why it's up to you to determine your cost of living,

from the website: Ramsey Cost of Living Calculator


What to do with a severance when you've been laid off,

from the blog: What to Do if You're Laid Off


How to find other sources of income when your current income is changing,

from the blog: 34 Ways to Make Extra Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> How to plan for a wedding when you owe back taxes to the IRS,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/tax-debt-relief?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Tax Debt Relief: How to Handle Back Taxes</a>
</li>
<li>Why it's up to you to determine your cost of living,</li>
<li>from the website: <a href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Cost of Living Calculator</a>
</li>
<li>What to do with a severance when you've been laid off,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-to-do-if-you-get-laid-off?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do if You're Laid Off</a>
</li>
<li>How to find other sources of income when your current income is changing,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-make-extra-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">34 Ways to Make Extra Money</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9464d046-0c53-11ee-abef-5f8e81740f1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8091211400.mp3?updated=1689971861" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>No Debt Or House Payment Make For An Exciting Retirement (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to budget when starting a new job at a lower starting income,

What to do when the recommendations you give to improve your workplace are shrugged off,

If it's a good idea to pay off your house before retiring,

from the blog: How to Pay Off Your Mortgage Early


If it's smart to take a pay cut to move for health reasons,

from the blog: Moving Checklist: How to Make a Smooth Move


The best strategies to using extra income to pay off debt faster,

from the blog: How to Get Rid of Debt



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Jul 2023 19:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to budget when starting a new job at a lower starting income,

What to do when the recommendations you give to improve your workplace are shrugged off,

If it's a good idea to pay off your house before retiring,

from the blog: How to Pay Off Your Mortgage Early


If it's smart to take a pay cut to move for health reasons,

from the blog: Moving Checklist: How to Make a Smooth Move


The best strategies to using extra income to pay off debt faster,

from the blog: How to Get Rid of Debt



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> How to budget when starting a new job at a lower starting income,</li>
<li>What to do when the recommendations you give to improve your workplace are shrugged off,</li>
<li>If it's a good idea to pay off your house before retiring,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>
</li>
<li>If it's smart to take a pay cut to move for health reasons,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/moving-checklist?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Moving Checklist: How to Make a Smooth Move</a>
</li>
<li>The best strategies to using extra income to pay off debt faster,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/clever-ways-to-get-rid-of-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Rid of Debt</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2519</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7feb7d46-0c52-11ee-9187-3f8a1b7ed02f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2437094902.mp3?updated=1689967981" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Go From Crisis To Crisis When You're Trapped (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "How do I get started with the Baby Steps when I'm behind on the bills?"

from the blog: What to Do When You Can't Pay Your Bills


All the financial things you need to take into consideration when buying a house,

from the blog: How Much Money Do I Need to Buy a House?


When to know if you should keep repairing your vehicle or purchase a new one,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


What you should do with a house after a divorce,

from the blog: Finances After the Unexpected: Divorce, Remarriage and Death


Why your values around managing money are important to talk about before getting married,

from the blog: 12 Questions to Ask Before Marriage



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Jul 2023 21:30:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "How do I get started with the Baby Steps when I'm behind on the bills?"

from the blog: What to Do When You Can't Pay Your Bills


All the financial things you need to take into consideration when buying a house,

from the blog: How Much Money Do I Need to Buy a House?


When to know if you should keep repairing your vehicle or purchase a new one,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


What you should do with a house after a divorce,

from the blog: Finances After the Unexpected: Divorce, Remarriage and Death


Why your values around managing money are important to talk about before getting married,

from the blog: 12 Questions to Ask Before Marriage



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "How do I get started with the Baby Steps when I'm behind on the bills?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/what-to-do-when-you-cant-pay-your-bills?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do When You Can't Pay Your Bills</a>
</li>
<li>All the financial things you need to take into consideration when buying a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-money-do-i-need-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much Money Do I Need to Buy a House?</a>
</li>
<li>When to know if you should keep repairing your vehicle or purchase a new one,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/should-i-repair-or-replace-my-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is Your Car Worth Repairing? Or Should You Replace It?</a>
</li>
<li>What you should do with a house after a divorce,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/finances-after-the-unexpected-divorce-remarriage-and-death?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Finances After the Unexpected: Divorce, Remarriage and Death</a>
</li>
<li>Why your values around managing money are important to talk about before getting married,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/four-things-to-talk-about-before-marriage?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">12 Questions to Ask Before Marriage</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9313cf8-0c54-11ee-8cc4-232dbebfa7bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8838487383.mp3?updated=1689888663" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Do Too Much Good To Be Broke (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 Preparing to go down to a single income household while paying off your house,

from the blog: How to Pay Off Your Mortgage Early


How to navigate Baby Step 3b and Baby Step 4 at the same time,

"Should I pause investing while paying off $100,000 of student loans?"

from the blog: Pay Off Debt or Save for the Future?


Want to learn more? Go to RamseySolution.com/StudentLoans


A Debt-Free Scream from a single woman who found confidence to change her life with Dave's common sense financial advice,

from the store: The Total Money Makeover by Dave Ramsey

Why it's ok to leave a low paying job even when you work for family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Jul 2023 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 Preparing to go down to a single income household while paying off your house,

from the blog: How to Pay Off Your Mortgage Early


How to navigate Baby Step 3b and Baby Step 4 at the same time,

"Should I pause investing while paying off $100,000 of student loans?"

from the blog: Pay Off Debt or Save for the Future?


Want to learn more? Go to RamseySolution.com/StudentLoans


A Debt-Free Scream from a single woman who found confidence to change her life with Dave's common sense financial advice,

from the store: The Total Money Makeover by Dave Ramsey

Why it's ok to leave a low paying job even when you work for family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> Preparing to go down to a single income household while paying off your house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>
</li>
<li>How to navigate Baby Step 3b and Baby Step 4 at the same time,</li>
<li>"Should I pause investing while paying off $100,000 of student loans?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/pay-off-debt-before-retirement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Pay Off Debt or Save for the Future?</a>
</li>
<li>Want to learn more? Go to <a href="https://www.ramseysolutions.com/debt/student-loan-debt-hub?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">RamseySolution.com/StudentLoans</a>
</li>
<li>A Debt-Free Scream from a single woman who found confidence to change her life with Dave's common sense financial advice,</li>
<li>from the store: <a href="https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Total Money Makeover</a> by Dave Ramsey</li>
<li>Why it's ok to leave a low paying job even when you work for family.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[944f9d2a-0c53-11ee-abef-f38478895f18]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9910943612.mp3?updated=1689885152" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Facts Are Your Friends When Facing An Uncertain Future (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 Budgeting for your business on inconsistent income, 

from the blog: How to Create a Business Budget


How to prepare for the future when facing a difficult medical diagnosis,

from the blog: 8 Types of Insurance You Can't Go Without


A Debt-Free Scream from a couple who listened to The Ramsey Show for 30 hours straight,

Fill out your Debt-Free Scream application for a chance to do your own Debt Free Scream!

Why you should leave retirement savings alone when planning for large purchases in the future,

What to do when you owe major taxes on a vehicle that was used as a tax write off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Jul 2023 19:35:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 Budgeting for your business on inconsistent income, 

from the blog: How to Create a Business Budget


How to prepare for the future when facing a difficult medical diagnosis,

from the blog: 8 Types of Insurance You Can't Go Without


A Debt-Free Scream from a couple who listened to The Ramsey Show for 30 hours straight,

Fill out your Debt-Free Scream application for a chance to do your own Debt Free Scream!

Why you should leave retirement savings alone when planning for large purchases in the future,

What to do when you owe major taxes on a vehicle that was used as a tax write off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> Budgeting for your business on inconsistent income, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/create-a-business-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Create a Business Budget</a>
</li>
<li>How to prepare for the future when facing a difficult medical diagnosis,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/types-insurance-cant-go-without?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">8 Types of Insurance You Can't Go Without</a>
</li>
<li>A Debt-Free Scream from a couple who listened to The Ramsey Show for 30 hours straight,</li>
<li>Fill out your <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/debt-free-scream?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Debt-Free Scream application</a> for a chance to do your own Debt Free Scream!</li>
<li>Why you should leave retirement savings alone when planning for large purchases in the future,</li>
<li>What to do when you owe major taxes on a vehicle that was used as a tax write off.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7fd4c7ae-0c52-11ee-9187-17e846f2f5a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6041837965.mp3?updated=1689881715" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Believe the Lies – You CAN Be a Millionaire! (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built their wealth.
 
Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Jul 2023 21:47:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built their wealth.
 
Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built their wealth.</p><p> </p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2519</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e91b5398-0c54-11ee-8cc4-a365afba132c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2754445204.mp3?updated=1689803013" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Adjustable Rate Mortgages (ARMs) Are a Ticket to Foreclosure (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should I get universal life insurance?"

Adjustable rate mortgages are making a comeback,

from the blog: What Is an Adjustable-Rate Mortgage (ARM) and How Does It Work?


"How do I find a good financial planner?"

"What should we do with our house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Jul 2023 20:52:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should I get universal life insurance?"

Adjustable rate mortgages are making a comeback,

from the blog: What Is an Adjustable-Rate Mortgage (ARM) and How Does It Work?


"How do I find a good financial planner?"

"What should we do with our house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I get universal life insurance?"</li>
<li>Adjustable rate mortgages are making a comeback,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/why-an-adjustable-rate-mortgage-is-bad?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is an Adjustable-Rate Mortgage (ARM) and How Does It Work?</a>
</li>
<li>"How do I find a good financial planner?"</li>
<li>"What should we do with our house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[943b12c4-0c53-11ee-abef-4320dc1aa4ef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2683128675.mp3?updated=1689799132" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Student Loan Payments Will and Won’t Do to the Economy (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should we pull from retirement to pay off debt?"

Focusing on investing vs. saving for a house,

"Will student loan repayment cause inflation?"

"Should I build my emergency fund or pay off debt?"

"How do the Baby Steps transfer to business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Jul 2023 19:54:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should we pull from retirement to pay off debt?"

Focusing on investing vs. saving for a house,

"Will student loan repayment cause inflation?"

"Should I build my emergency fund or pay off debt?"

"How do the Baby Steps transfer to business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should we pull from retirement to pay off debt?"</li>
<li>Focusing on investing vs. saving for a house,</li>
<li>"Will student loan repayment cause inflation?"</li>
<li>"Should I build my emergency fund or pay off debt?"</li>
<li>"How do the Baby Steps transfer to business?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7fbe2e22-0c52-11ee-9187-6fca9bf28ddc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7361607022.mp3?updated=1689796084" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do These Millionaire Careers Have in Common? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Is it smart to sell our rental property?"

"What should I do with a Social Security payout?"

What most millionaire careers have in common,

Financially preparing for a job loss.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Jul 2023 21:41:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Is it smart to sell our rental property?"

"What should I do with a Social Security payout?"

What most millionaire careers have in common,

Financially preparing for a job loss.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Is it smart to sell our rental property?"</li>
<li>"What should I do with a Social Security payout?"</li>
<li>What most millionaire careers have in common,</li>
<li>Financially preparing for a job loss.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e90322b4-0c54-11ee-8cc4-6f8eb75e7d2c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4494424125.mp3?updated=1689716321" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Nate Bargatze: From Applebee’s Specials to Netflix Specials (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Can I use my signing bonus to buy a new car?"

Comedian Nate Bargatze stopped by to talk about comedy, managing money, helping Dave move houses decades ago, and making more money on comedy than waiting tables at Applebees;

"How can we pay off our house early?"

"Where is a second mortgage in the Baby Steps?"

The difference between a mutual fund and ETF, 

from the blog: ETF vs. Mutual Fund: What’s the Difference?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Jul 2023 20:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "Can I use my signing bonus to buy a new car?"

Comedian Nate Bargatze stopped by to talk about comedy, managing money, helping Dave move houses decades ago, and making more money on comedy than waiting tables at Applebees;

"How can we pay off our house early?"

"Where is a second mortgage in the Baby Steps?"

The difference between a mutual fund and ETF, 

from the blog: ETF vs. Mutual Fund: What’s the Difference?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Can I use my signing bonus to buy a new car?"</li>
<li>Comedian Nate Bargatze stopped by to talk about comedy, managing money, helping Dave move houses decades ago, and making more money on comedy than waiting tables at Applebees;</li>
<li>"How can we pay off our house early?"</li>
<li>"Where is a second mortgage in the Baby Steps?"</li>
<li>The difference between a mutual fund and ETF, </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/etf-vs-mutual-funds?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">ETF vs. Mutual Fund: What’s the Difference?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9426dc32-0c53-11ee-abef-678f70fe9c68]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1192232674.mp3?updated=1689713896" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Screwed Yourself… I’m Scared for You (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "We pulled from retirement early to buy a house..."

"How much can I spend on housing?"

from the blog: How Much House Can I Afford?


"Should I view my student loans as a lump sum of debt?"

"My husband's union might go on strike soon"

"What's the best way to combine finances?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Jul 2023 19:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "We pulled from retirement early to buy a house..."

"How much can I spend on housing?"

from the blog: How Much House Can I Afford?


"Should I view my student loans as a lump sum of debt?"

"My husband's union might go on strike soon"

"What's the best way to combine finances?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "We pulled from retirement early to buy a house..."</li>
<li>"How much can I spend on housing?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>"Should I view my student loans as a lump sum of debt?"</li>
<li>"My husband's union might go on strike soon"</li>
<li>"What's the best way to combine finances?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7fa6de7a-0c52-11ee-9187-73e7a5fbdaf6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3670835036.mp3?updated=1689712984" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Waiting on Washington DC To Fix Your Life! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 Financially preparing for life after college,

Student loan forgiveness,

"How much should I have for a down payment?"

"How should I pay for repairs on my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Jul 2023 21:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 Financially preparing for life after college,

Student loan forgiveness,

"How much should I have for a down payment?"

"How should I pay for repairs on my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> Financially preparing for life after college,</li>
<li>Student loan forgiveness,</li>
<li>"How much should I have for a down payment?"</li>
<li>"How should I pay for repairs on my house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2447</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8e8adb2-0c54-11ee-8cc4-dba49094f33e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4017936743.mp3?updated=1689629669" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can You Guys Afford To Eat? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "My ex-husband refuses to pay child support",

"How do I talk to my daughters about money",

"Should we sell our truck to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Jul 2023 20:39:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "My ex-husband refuses to pay child support",

"How do I talk to my daughters about money",

"Should we sell our truck to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "My ex-husband refuses to pay child support",</li>
<li>"How do I talk to my daughters about money",</li>
<li>"Should we sell our truck to pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[94116ed8-0c53-11ee-abef-8b000f628b47]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9971729519.mp3?updated=1689626093" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Trying To Borrow Your Way Out of Debt! (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I pay off debt before buying another rental property?" 

from the blog: How to Invest in Real Estate,

"Does my $1000 count toward my 3-6 months emergency fund?"

"Should I keep my savings or pay off my 401(k) loan?"

Focusing on paying off the house vs. retirement,

"My father wants me to buy his business"

"How do we sell a vehicle privately?"

from the blog: How to Sell a Car,

"Should we sell our house to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Jul 2023 19:44:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I pay off debt before buying another rental property?" 

from the blog: How to Invest in Real Estate,

"Does my $1000 count toward my 3-6 months emergency fund?"

"Should I keep my savings or pay off my 401(k) loan?"

Focusing on paying off the house vs. retirement,

"My father wants me to buy his business"

"How do we sell a vehicle privately?"

from the blog: How to Sell a Car,

"Should we sell our house to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should I pay off debt before buying another rental property?" </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>,</li>
<li>"Does my $1000 count toward my 3-6 months emergency fund?"</li>
<li>"Should I keep my savings or pay off my 401(k) loan?"</li>
<li>Focusing on paying off the house vs. retirement,</li>
<li>"My father wants me to buy his business"</li>
<li>"How do we sell a vehicle privately?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-sell-a-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Sell a Car</a>,</li>
<li>"Should we sell our house to pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2485</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f8fb75e-0c52-11ee-9187-8b7d06a33f1e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4830866242.mp3?updated=1689622617" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Budgeting Is Not Social Conditioning! (Hour 3)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 How to stop living paycheck to paycheck after financial infidelity,

from the blog: How to Stop Living Paycheck to Paycheck


Why the idea of a spending plan is playing semantics with the purpose of a budget,

from the blog: 15 Practical Budgeting Tips


"I'm a musician - how can I make extra money?",

from the blog: 34 Ways to Make Extra Money


How to plan for how much house you can afford when getting married,

from the blog: How to Budget for a House



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Jul 2023 21:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 How to stop living paycheck to paycheck after financial infidelity,

from the blog: How to Stop Living Paycheck to Paycheck


Why the idea of a spending plan is playing semantics with the purpose of a budget,

from the blog: 15 Practical Budgeting Tips


"I'm a musician - how can I make extra money?",

from the blog: 34 Ways to Make Extra Money


How to plan for how much house you can afford when getting married,

from the blog: How to Budget for a House



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> How to stop living paycheck to paycheck after financial infidelity,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/stop-living-paycheck-to-paycheck?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Stop Living Paycheck to Paycheck</a>
</li>
<li>Why the idea of a spending plan is playing semantics with the purpose of a budget,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/the-truth-about-budgeting#:~:text=And%20no%20matter%20what%20you,Every%20single%20dollar%20you%20make!?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">15 Practical Budgeting Tips</a>
</li>
<li>"I'm a musician - how can I make extra money?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-make-extra-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">34 Ways to Make Extra Money</a>
</li>
<li>How to plan for how much house you can afford when getting married,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/5-steps-to-buying-home-wont-bust-your-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget for a House</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8d0a15e-0c54-11ee-8cc4-c783517030dc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7475537834.mp3?updated=1689370484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get Back In The Driver Seat Of Your Life (Hour 2)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do I talk to my dad about getting days off work? I haven't had a day off in 2 months!",

from the blog: 12 Tips for Running a Family-Owned Business


Why financing something for 0% interest will never put you ahead financially,

from the blog: What You Need to Know About Zero Percent Financing


What to do with a house you can't afford after breaking up with a significant other,

from the blog: How to Sell a House


How to get your spouse to take finances more seriously,

from the blog: What to Do When Spouses Don't Agree on Money


The best way to save for college when you have a lot of kids,

from the blog: 10 Best Ways to Save for College


It's ok to sell your rental property when you're tired of being a landlord.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Jul 2023 20:35:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do I talk to my dad about getting days off work? I haven't had a day off in 2 months!",

from the blog: 12 Tips for Running a Family-Owned Business


Why financing something for 0% interest will never put you ahead financially,

from the blog: What You Need to Know About Zero Percent Financing


What to do with a house you can't afford after breaking up with a significant other,

from the blog: How to Sell a House


How to get your spouse to take finances more seriously,

from the blog: What to Do When Spouses Don't Agree on Money


The best way to save for college when you have a lot of kids,

from the blog: 10 Best Ways to Save for College


It's ok to sell your rental property when you're tired of being a landlord.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I talk to my dad about getting days off work? I haven't had a day off in 2 months!",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/going-into-family-business?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">12 Tips for Running a Family-Owned Business</a>
</li>
<li>Why financing something for 0% interest will never put you ahead financially,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/zero-percent-financing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What You Need to Know About Zero Percent Financing</a>
</li>
<li>What to do with a house you can't afford after breaking up with a significant other,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-sell-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Sell a House</a>
</li>
<li>How to get your spouse to take finances more seriously,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/what-to-do-when-spouses-dont-agree-on-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do When Spouses Don't Agree on Money</a>
</li>
<li>The best way to save for college when you have a lot of kids,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/saving-for-college-is-easier-than-you-think?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Best Ways to Save for College</a>
</li>
<li>It's ok to sell your rental property when you're tired of being a landlord.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93fcf5de-0c53-11ee-abef-2bf80a7eb13a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4453046848.mp3?updated=1689366847" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You're Still Broke If You Got The Debt! (Hour 1)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "I feel like if I pay off all my student loans I'll be broke!"

from the blog: How to Pay Off Student Loans Quickly: 10 Steps for Success


The new Income-Driven Repayment Plan being offered for student loan forgiveness,

What to take into consideration when figuring out if you need to move closer to work,

from the blog: Ramsey Cost of Living Calculator


How to set boundaries with family that won't stop pressuring you about how you spend your money,

from the blog: How to Set Boundaries: 7 Simple Steps


"Should I refinance my house or take out a loan to pay for home repairs?",

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Jul 2023 19:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "I feel like if I pay off all my student loans I'll be broke!"

from the blog: How to Pay Off Student Loans Quickly: 10 Steps for Success


The new Income-Driven Repayment Plan being offered for student loan forgiveness,

What to take into consideration when figuring out if you need to move closer to work,

from the blog: Ramsey Cost of Living Calculator


How to set boundaries with family that won't stop pressuring you about how you spend your money,

from the blog: How to Set Boundaries: 7 Simple Steps


"Should I refinance my house or take out a loan to pay for home repairs?",

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> "I feel like if I pay off all my student loans I'll be broke!"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-student-loans-quickly?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Student Loans Quickly: 10 Steps for Success</a>
</li>
<li>The new Income-Driven Repayment Plan being offered for student loan forgiveness,</li>
<li>What to take into consideration when figuring out if you need to move closer to work,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Cost of Living Calculator</a>
</li>
<li>How to set boundaries with family that won't stop pressuring you about how you spend your money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/setting-boundaries-in-your-life?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Set Boundaries: 7 Simple Steps</a>
</li>
<li>"Should I refinance my house or take out a loan to pay for home repairs?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/keep-home-repairs-from-busting-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Keep 3 Common Home Repairs From Busting Your Budget</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f78826e-0c52-11ee-9187-0b3b34c25179]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6807007471.mp3?updated=1689363205" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>No More Living At Mommy's House! (Hour 3)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 What to do when you feel called to ministry but can't pay your bills,

from the blog: Ministering to the World - Unhindered


Bank of America was fined over $100 million dollars for shady business that hurt consumers,

What to know when deciding if you should sell your current home before building a new one,

from the blog: How to Buy and Sell a Home at the Same Time


If you should live with family to save money when moving or let family member pay your mortgage,

How to take control of your money and stop frivolous spending,

from the blog: How to Change Your Spending Habits



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Jul 2023 21:32:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 What to do when you feel called to ministry but can't pay your bills,

from the blog: Ministering to the World - Unhindered


Bank of America was fined over $100 million dollars for shady business that hurt consumers,

What to know when deciding if you should sell your current home before building a new one,

from the blog: How to Buy and Sell a Home at the Same Time


If you should live with family to save money when moving or let family member pay your mortgage,

How to take control of your money and stop frivolous spending,

from the blog: How to Change Your Spending Habits



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> What to do when you feel called to ministry but can't pay your bills,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/ministering-to-the-world-unhindered?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ministering to the World - Unhindered</a>
</li>
<li>Bank of America was fined over $100 million dollars for shady business that hurt consumers,</li>
<li>What to know when deciding if you should sell your current home before building a new one,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/sell-before-buying?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy and Sell a Home at the Same Time</a>
</li>
<li>If you should live with family to save money when moving or let family member pay your mortgage,</li>
<li>How to take control of your money and stop frivolous spending,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/money-habits-we-need-to-break?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Change Your Spending Habits</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8b787be-0c54-11ee-8cc4-dfca8c383ea9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6050445413.mp3?updated=1689283991" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Get Days Off When You Owe $90,000 (Hour 2)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "I have $90k of debt and I can't keep doing what I've been doing",

from the blog: 28 Ways to Get Out of Debt


The hidden ways that owing money affects your mental health,

from the blog: How to Stop Worrying About Money


Setting up your Debt Snowball for success,

from the blog: How the Debt Snowball Method Works


"How much are we morally obligated to help my parents financially?"

from the blog: How To Talk To Your Parents About Money


How to talk with your spouse about getting a job to help meet financial goals,

from the blog: How to Talk to Your Spouse About Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Jul 2023 20:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "I have $90k of debt and I can't keep doing what I've been doing",

from the blog: 28 Ways to Get Out of Debt


The hidden ways that owing money affects your mental health,

from the blog: How to Stop Worrying About Money


Setting up your Debt Snowball for success,

from the blog: How the Debt Snowball Method Works


"How much are we morally obligated to help my parents financially?"

from the blog: How To Talk To Your Parents About Money


How to talk with your spouse about getting a job to help meet financial goals,

from the blog: How to Talk to Your Spouse About Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "I have $90k of debt and I can't keep doing what I've been doing",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/ways-to-get-out-of-debt#:~:text=Here%27s%20how%20it%20works%3A,to%20your%20next%2Dsmallest%20debt.?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">28 Ways to Get Out of Debt</a>
</li>
<li>The hidden ways that owing money affects your mental health,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-stop-worrying-about-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Stop Worrying About Money</a>
</li>
<li>Setting up your Debt Snowball for success,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>
</li>
<li>"How much are we morally obligated to help my parents financially?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/talk-to-your-parents-about-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Talk To Your Parents About Money</a>
</li>
<li>How to talk with your spouse about getting a job to help meet financial goals,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/3-ways-to-get-spouse-on-board-financially?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Talk to Your Spouse About Money</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93e8082c-0c53-11ee-abef-eb7eaf668a4f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1899765781.mp3?updated=1689280393" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's Your Choice To Say "Never Again" (Hour 1)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I set boundaries with my mom that keeps asking me for money?"

from the blog: How to Set Boundaries: 7 Simple Steps


Paying off your house early isn't an "illogical financial approach",

from the blog: How to Pay Off Your Mortgage Early


Why going into debt to run a business that makes $0 is insane,

How to plan for a wedding while paying of $200k in student loans,

from the blog: How to Save Money on a Wedding: 27 Tips



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Jul 2023 19:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I set boundaries with my mom that keeps asking me for money?"

from the blog: How to Set Boundaries: 7 Simple Steps


Paying off your house early isn't an "illogical financial approach",

from the blog: How to Pay Off Your Mortgage Early


Why going into debt to run a business that makes $0 is insane,

How to plan for a wedding while paying of $200k in student loans,

from the blog: How to Save Money on a Wedding: 27 Tips



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I set boundaries with my mom that keeps asking me for money?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/setting-boundaries-in-your-life?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Set Boundaries: 7 Simple Steps</a>
</li>
<li>Paying off your house early isn't an "illogical financial approach",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>
</li>
<li>Why going into debt to run a business that makes $0 is insane,</li>
<li>How to plan for a wedding while paying of $200k in student loans,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/ways-to-save-on-top-wedding-costs?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save Money on a Wedding: 27 Tips</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f61fad0-0c52-11ee-9187-6319f6fc2a15]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7764734544.mp3?updated=1689276913" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Borrow Against Your House To Buy Groceries! (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 Why you shouldn't have a mortgage that's 40% of your take home pay,

from the blog: Mortgage Calculator


How to determine how much of an Emergency Fund you need,

from the blog: A Guide to Your Emergency Fund


"Should we do use a first lien HELOC to buy our first home?"

from the blog: Mortgage Options to Avoid


What to do when you can't get a hold of your budget and are still living paycheck to paycheck,

from the blog: Gazelle Intensity: Do You Have It?


How to make lasting family memories for little to no money,

"Should I pursue a growing side hustle or take a promotion at work?"

from the blog: How to Take Your Side Hustle Full Time



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Jul 2023 21:33:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 Why you shouldn't have a mortgage that's 40% of your take home pay,

from the blog: Mortgage Calculator


How to determine how much of an Emergency Fund you need,

from the blog: A Guide to Your Emergency Fund


"Should we do use a first lien HELOC to buy our first home?"

from the blog: Mortgage Options to Avoid


What to do when you can't get a hold of your budget and are still living paycheck to paycheck,

from the blog: Gazelle Intensity: Do You Have It?


How to make lasting family memories for little to no money,

"Should I pursue a growing side hustle or take a promotion at work?"

from the blog: How to Take Your Side Hustle Full Time



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> Why you shouldn't have a mortgage that's 40% of your take home pay,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/mortgage-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Mortgage Calculator</a>
</li>
<li>How to determine how much of an Emergency Fund you need,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/quick-guide-to-your-emergency-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">A Guide to Your Emergency Fund</a>
</li>
<li>"Should we do use a first lien HELOC to buy our first home?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/mortgage-options-to-avoid?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Mortgage Options to Avoid</a>
</li>
<li>What to do when you can't get a hold of your budget and are still living paycheck to paycheck,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/gazelle-intensity-do-you-have-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Gazelle Intensity: Do You Have It?</a>
</li>
<li>How to make lasting family memories for little to no money,</li>
<li>"Should I pursue a growing side hustle or take a promotion at work?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/how-to-take-your-side-hustle-full-time?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Take Your Side Hustle Full Time</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8a12d8e-0c54-11ee-8cc4-4bd9d527eaf2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9436175593.mp3?updated=1689197619" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Some Good News About Inflation? (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 If the world is more dangerous than it was when they grew up,

"Should I sell my Tesla to get out of Baby Step 2?"

from the blog: Should I Pay Off My Car Early?


How to deal with paying off debt when ex-spouses names are on debt from the previous relationship,

Recent updates on where inflation has risen, and fallen, in 2023 vs 2022, 

from the blog: How to Combat Inflation and Protect Your 4 Walls


"Should I stay in a toxic work environment to keep my pension and healthcare?",

from the blog: How to Handle a Hostile Work Environment



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Jul 2023 20:32:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 If the world is more dangerous than it was when they grew up,

"Should I sell my Tesla to get out of Baby Step 2?"

from the blog: Should I Pay Off My Car Early?


How to deal with paying off debt when ex-spouses names are on debt from the previous relationship,

Recent updates on where inflation has risen, and fallen, in 2023 vs 2022, 

from the blog: How to Combat Inflation and Protect Your 4 Walls


"Should I stay in a toxic work environment to keep my pension and healthcare?",

from the blog: How to Handle a Hostile Work Environment



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> If the world is more dangerous than it was when they grew up,</li>
<li>"Should I sell my Tesla to get out of Baby Step 2?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/should-i-pay-off-my-car-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Pay Off My Car Early?</a>
</li>
<li>How to deal with paying off debt when ex-spouses names are on debt from the previous relationship,</li>
<li>Recent updates on where inflation has risen, and fallen, in 2023 vs 2022, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-combat-inflation?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Combat Inflation and Protect Your 4 Walls</a>
</li>
<li>"Should I stay in a toxic work environment to keep my pension and healthcare?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-handle-a-hostile-work-environment?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Handle a Hostile Work Environment</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93d2d8c6-0c53-11ee-abef-9b3d7e1def69]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9157707219.mp3?updated=1689193970" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Her Mom Stole Her Identity! (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "My fiancée's mom took out a credit card in her name and we didn't know what to do."

Why couples really fight about money, 

from the blog: 7 Steps to Stop Fighting Over Money


How to determine if the degree you want is worth the time and money,

from the blog: How to Choose a Career


What to do when figuring out if you should pay off your house or student loans first.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Jul 2023 19:29:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "My fiancée's mom took out a credit card in her name and we didn't know what to do."

Why couples really fight about money, 

from the blog: 7 Steps to Stop Fighting Over Money


How to determine if the degree you want is worth the time and money,

from the blog: How to Choose a Career


What to do when figuring out if you should pay off your house or student loans first.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "My fiancée's mom took out a credit card in her name and we didn't know what to do."</li>
<li>Why couples really fight about money, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/how-to-put-an-end-to-money-arguments?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">7 Steps to Stop Fighting Over Money</a>
</li>
<li>How to determine if the degree you want is worth the time and money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-choose-a-career?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Choose a Career</a>
</li>
<li>What to do when figuring out if you should pay off your house or student loans first.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f4c7750-0c52-11ee-9187-a7fa16821e1d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9372286926.mp3?updated=1689190290" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Job Pays Well but the Culture Is Toxic (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 Should I stay at a job that is bad for my mental health? 

$50K in debt and I can't find a job,

 Struggling to make traction on our debt,

The right time to re-fi,

What's the fastest way to pay off $850k in debt?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Jul 2023 21:32:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 Should I stay at a job that is bad for my mental health? 

$50K in debt and I can't find a job,

 Struggling to make traction on our debt,

The right time to re-fi,

What's the fastest way to pay off $850k in debt?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Should I stay at a job that is bad for my mental health? </li>
<li>$50K in debt and I can't find a job,</li>
<li> Struggling to make traction on our debt,</li>
<li>The right time to re-fi,</li>
<li>What's the fastest way to pay off $850k in debt?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e889a79a-0c54-11ee-8cc4-cfe70ef71d5c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3171472387.mp3?updated=1689111263" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Short Term Pain Worth Long Term Gain? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

  Paying down debt or getting a CDL,

Taking a pay cut now for long term benefit,

Is getting paid via the Cash App a good idea?

Should I make my husband be a stay-at-home dad?

Renting out my house to pay my new mortgage

Getting my mom on the Ramsey plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Jul 2023 20:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

  Paying down debt or getting a CDL,

Taking a pay cut now for long term benefit,

Is getting paid via the Cash App a good idea?

Should I make my husband be a stay-at-home dad?

Renting out my house to pay my new mortgage

Getting my mom on the Ramsey plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>  Paying down debt or getting a CDL,</li>
<li>Taking a pay cut now for long term benefit,</li>
<li>Is getting paid via the Cash App a good idea?</li>
<li>Should I make my husband be a stay-at-home dad?</li>
<li>Renting out my house to pay my new mortgage</li>
<li>Getting my mom on the Ramsey plan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93bea4c8-0c53-11ee-abef-d3019f11996f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3506154939.mp3?updated=1689107728" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Time To Make My Side Hustle a Full Time Gig? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamal answer your questions and discuss:

The right time to buy a house, 

When to make your part time gig your full time career,

 How much college students should really expect to make,

Do Baby Steps Millionaires need life insurance?

Working at a dead end job for the benefits,

Living off debt


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Jul 2023 19:37:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamal answer your questions and discuss:

The right time to buy a house, 

When to make your part time gig your full time career,

 How much college students should really expect to make,

Do Baby Steps Millionaires need life insurance?

Working at a dead end job for the benefits,

Living off debt


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamal answer your questions and discuss:</p><ul>
<li>The right time to buy a house, </li>
<li>When to make your part time gig your full time career,</li>
<li> How much college students should really expect to make,</li>
<li>Do Baby Steps Millionaires need life insurance?</li>
<li>Working at a dead end job for the benefits,</li>
<li>Living off debt</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f360dee-0c52-11ee-9187-37f34f6f4332]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1715861662.mp3?updated=1689103986" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Managing Debt Or Managing Your Money? (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Can we have sinking funds while paying off debt?" 

from the blog: What Is a Sinking Fund and How Do You Create One?


How much money American's think they need feel financially secure,

If you should invest while saving for a house,

from the website: Ramsey Mortgage Calculator


"How much we can budget for vacation?"

from the blog: A Guide to Vacationing on the Baby Steps


"Should we skip investing if we receive retirement pay from the military?"

When to know if you can move up in house, 

from the blog: How to Upsize Your Home in 3 Steps


How to start investing with minimal income,

from the blog: How to Start Investing: A Beginner's Guide



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Jul 2023 21:33:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Can we have sinking funds while paying off debt?" 

from the blog: What Is a Sinking Fund and How Do You Create One?


How much money American's think they need feel financially secure,

If you should invest while saving for a house,

from the website: Ramsey Mortgage Calculator


"How much we can budget for vacation?"

from the blog: A Guide to Vacationing on the Baby Steps


"Should we skip investing if we receive retirement pay from the military?"

When to know if you can move up in house, 

from the blog: How to Upsize Your Home in 3 Steps


How to start investing with minimal income,

from the blog: How to Start Investing: A Beginner's Guide



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Can we have sinking funds while paying off debt?" </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/stop-the-panic-sinking-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Sinking Fund and How Do You Create One?</a>
</li>
<li>How much money American's think they need feel financially secure,</li>
<li>If you should invest while saving for a house,</li>
<li>from the website: <a href="https://www.ramseysolutions.com/real-estate/mortgage-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Mortgage Calculator</a>
</li>
<li>"How much we can budget for vacation?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/vacation-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">A Guide to Vacationing on the Baby Steps</a>
</li>
<li>"Should we skip investing if we receive retirement pay from the military?"</li>
<li>When to know if you can move up in house, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-upsize-your-home-three-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Upsize Your Home in 3 Steps</a>
</li>
<li>How to start investing with minimal income,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start Investing: A Beginner's Guide</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8724faa-0c54-11ee-8cc4-c77d25ef9442]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4842061338.mp3?updated=1689024900" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Know For A Fact That Money Is Gone (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Should I declare bankruptcy to clear my debt?" 

from the blog: Bankruptcy: What It Is and How It Works


How student loan repayments will impact the economy, 

from the website: Guide to Getting Rid of Your Student Loans


What the next financial steps should be after graduating college debt free,

"How should I prioritize my loans to get out of $140,000 of debt?"

from the blog: How to Get Out of Debt with the Debt Snowball Plan


How to navigate handling the finances when a spouse becomes sick and can't contribute financially.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Jul 2023 20:29:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Should I declare bankruptcy to clear my debt?" 

from the blog: Bankruptcy: What It Is and How It Works


How student loan repayments will impact the economy, 

from the website: Guide to Getting Rid of Your Student Loans


What the next financial steps should be after graduating college debt free,

"How should I prioritize my loans to get out of $140,000 of debt?"

from the blog: How to Get Out of Debt with the Debt Snowball Plan


How to navigate handling the finances when a spouse becomes sick and can't contribute financially.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should I declare bankruptcy to clear my debt?" </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/the-truth-about-bankruptcy?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Bankruptcy: What It Is and How It Works</a>
</li>
<li>How student loan repayments will impact the economy, </li>
<li>from the website: <a href="https://www.ramseysolutions.com/debt/student-loan-debt-guide/introduction?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Guide to Getting Rid of Your Student Loans</a>
</li>
<li>What the next financial steps should be after graduating college debt free,</li>
<li>"How should I prioritize my loans to get out of $140,000 of debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/get-out-of-debt-with-the-debt-snowball-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of Debt with the Debt Snowball Plan</a>
</li>
<li>How to navigate handling the finances when a spouse becomes sick and can't contribute financially.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93a9d624-0c53-11ee-abef-4f23e0e68fa5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1932279907.mp3?updated=1689021095" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You're One Step Away From This House Of Cards Crumbling! (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 George triggered the internet with his most recent YouTube video,

from George's YouTube Channel: Why Most People Will Never Be Millionaires


What to do with a house when going through a divorce,

What Baby Steps George and Jade think are most important,

from the blog: How to Win With Money in 7 Baby Steps


How to prioritize saving in Baby Step 3 when expecting a baby,

"I'm in $100,000 debt and don't know if I should sell my rental properties",

from the blog: Should I Sell My Rental Property?


Why you shouldn't stop investing while paying off your home,

from the blog: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time?


"How can we best use an inheritance when working the Baby Steps?"

from the blog: What to Do With an Inheritance



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Jul 2023 19:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 George triggered the internet with his most recent YouTube video,

from George's YouTube Channel: Why Most People Will Never Be Millionaires


What to do with a house when going through a divorce,

What Baby Steps George and Jade think are most important,

from the blog: How to Win With Money in 7 Baby Steps


How to prioritize saving in Baby Step 3 when expecting a baby,

"I'm in $100,000 debt and don't know if I should sell my rental properties",

from the blog: Should I Sell My Rental Property?


Why you shouldn't stop investing while paying off your home,

from the blog: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time?


"How can we best use an inheritance when working the Baby Steps?"

from the blog: What to Do With an Inheritance



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> George triggered the internet with his most recent YouTube video,</li>
<li>from George's YouTube Channel: <a href="https://youtu.be/duT96eqfkKk?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Most People Will Never Be Millionaires</a>
</li>
<li>What to do with a house when going through a divorce,</li>
<li>What Baby Steps George and Jade think are most important,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-win-with-money-in-7-easy-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Win With Money in 7 Baby Steps</a>
</li>
<li>How to prioritize saving in Baby Step 3 when expecting a baby,</li>
<li>"I'm in $100,000 debt and don't know if I should sell my rental properties",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/sell-rental-property?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Sell My Rental Property?</a>
</li>
<li>Why you shouldn't stop investing while paying off your home,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/retirement-college-mortgage?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time?</a>
</li>
<li>"How can we best use an inheritance when working the Baby Steps?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/what-to-do-inheritance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do With an Inheritance</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f1ecac6-0c52-11ee-9187-8f97f83c1f0d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8893389554.mp3?updated=1689017852" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Every Bit Counts, Even the Oatmeal… (Hour 3)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "Finding support while on the Baby Steps"

What it means to be gazelle intense,

"Which job should I take?"

"How do I get my finances back on track?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Jul 2023 21:36:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "Finding support while on the Baby Steps"

What it means to be gazelle intense,

"Which job should I take?"

"How do I get my finances back on track?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Finding support while on the Baby Steps"</li>
<li>What it means to be gazelle intense,</li>
<li>"Which job should I take?"</li>
<li>"How do I get my finances back on track?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e85b3b76-0c54-11ee-8cc4-f7aacc1f8dcd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4158124741.mp3?updated=1688765714" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Put That Bad Advice in a Pipe and Smoke It! (Hour 2)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "Can I afford to go visit family while paying off debt?"

"What are my best options to save for future life expenses?"

What are your money milestones?

"Should we lease a car if we only need it for a season?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Jul 2023 21:02:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "Can I afford to go visit family while paying off debt?"

"What are my best options to save for future life expenses?"

What are your money milestones?

"Should we lease a car if we only need it for a season?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Can I afford to go visit family while paying off debt?"</li>
<li>"What are my best options to save for future life expenses?"</li>
<li>What are your money milestones?</li>
<li>"Should we lease a car if we only need it for a season?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93957274-0c53-11ee-abef-2b76627a8898]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5386885830.mp3?updated=1688762897" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Share a Bed but You Can’t Share a Bank Account? (Hour 1)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "How much should we put into our sinking funds?"

from the blog: What Is a Sinking Fund and How Do You Create One?


Why you can't compartmentalize money in your life or your marriage,

Should I rent or buy after moving?

"Will student loan repayment options hinder our Baby Step 2?"

"Should we sell our house to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Jul 2023 19:41:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

 "How much should we put into our sinking funds?"

from the blog: What Is a Sinking Fund and How Do You Create One?


Why you can't compartmentalize money in your life or your marriage,

Should I rent or buy after moving?

"Will student loan repayment options hinder our Baby Step 2?"

"Should we sell our house to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "How much should we put into our sinking funds?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/stop-the-panic-sinking-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Sinking Fund and How Do You Create One?</a>
</li>
<li>Why you can't compartmentalize money in your life or your marriage,</li>
<li>Should I rent or buy after moving?</li>
<li>"Will student loan repayment options hinder our Baby Step 2?"</li>
<li>"Should we sell our house to pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7f079eb4-0c52-11ee-9187-233842069ea9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2508871595.mp3?updated=1688758787" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy a Bigger Home if We Use It as a Rental? (Hour 3)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 "Should we buy a bigger home if we use it as a rental?"

"How can we afford to go back to school?"

from the blog: How to Pay for College Without Student Loans,

"Should I go to law school?"

Advice for dating while paying off debt,

"How do I convince my parents to take FPU?"

"I'm working for my father-in-law and my pay has been inconsistent..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Jul 2023 21:31:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 "Should we buy a bigger home if we use it as a rental?"

"How can we afford to go back to school?"

from the blog: How to Pay for College Without Student Loans,

"Should I go to law school?"

Advice for dating while paying off debt,

"How do I convince my parents to take FPU?"

"I'm working for my father-in-law and my pay has been inconsistent..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "Should we buy a bigger home if we use it as a rental?"</li>
<li>"How can we afford to go back to school?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>,</li>
<li>"Should I go to law school?"</li>
<li>Advice for dating while paying off debt,</li>
<li>"How do I convince my parents to take FPU?"</li>
<li>"I'm working for my father-in-law and my pay has been inconsistent..."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e844f956-0c54-11ee-8cc4-677e45a07ae1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2543882069.mp3?updated=1688679099" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Like I Never Have Enough Money (Hour 2)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 "Can I afford to move while on Baby Step 1?"

from the blog: Relocating Tips: How to Make a Smooth Transition,

"I feel like I never have enough money..."

Starting over after a divorce,

Selling business equipment to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Jul 2023 20:49:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 "Can I afford to move while on Baby Step 1?"

from the blog: Relocating Tips: How to Make a Smooth Transition,

"I feel like I never have enough money..."

Starting over after a divorce,

Selling business equipment to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "Can I afford to move while on Baby Step 1?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/relocating-tips?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Relocating Tips: How to Make a Smooth Transition</a>,</li>
<li>"I feel like I never have enough money..."</li>
<li>Starting over after a divorce,</li>
<li>Selling business equipment to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <guid isPermaLink="false"><![CDATA[93805646-0c53-11ee-abef-9baf8570d5b8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2499126760.mp3?updated=1688676413" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With Messy Family Money Situations (Hour 1)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 The current jobs report and inflation numbers,

"Can I keep charging my sister rent?"

"My husband hates his job..."

"Can I skip investing to pay off the house?"

from the blog: The 7 Baby Steps,

"Should we sell our investment property?"

"Paying off debt with the debt snowball"

from the blog: How the Debt Snowball Method Works



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Jul 2023 19:53:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:

 The current jobs report and inflation numbers,

"Can I keep charging my sister rent?"

"My husband hates his job..."

"Can I skip investing to pay off the house?"

from the blog: The 7 Baby Steps,

"Should we sell our investment property?"

"Paying off debt with the debt snowball"

from the blog: How the Debt Snowball Method Works



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> The current jobs report and inflation numbers,</li>
<li>"Can I keep charging my sister rent?"</li>
<li>"My husband hates his job..."</li>
<li>"Can I skip investing to pay off the house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The 7 Baby Steps</a>,</li>
<li>"Should we sell our investment property?"</li>
<li>"Paying off debt with the debt snowball"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2551</itunes:duration>
      <guid isPermaLink="false"><![CDATA[7ef091f6-0c52-11ee-9187-2f7e48a7048e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5817878104.mp3?updated=1688674099" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Getting Sued… Isn’t That Enough of a Wakeup Call? (Hour 3)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "We're deeply in debt and being sued,"

"Should I sell my house to pay off debt?"

from the blog: Should You Sell Your Home to Knock Out Debt?


Paying off debts vs. earning interest on investments,

from the blog: When You Should Stop Investing



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Jul 2023 21:41:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "We're deeply in debt and being sued,"

"Should I sell my house to pay off debt?"

from the blog: Should You Sell Your Home to Knock Out Debt?


Paying off debts vs. earning interest on investments,

from the blog: When You Should Stop Investing



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "We're deeply in debt and being sued,"</li>
<li>"Should I sell my house to pay off debt?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/should-you-sell-your-home-to-knock-out-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should You Sell Your Home to Knock Out Debt?</a>
</li>
<li>Paying off debts vs. earning interest on investments,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e82f2efa-0c54-11ee-8cc4-a79bd393194d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9128822947.mp3?updated=1688592837" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Married to a Child! (Hour 2)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "How can I get my husband on board?" 

Why emergencies become inconveniences when you have financial peace,

"Can I afford to move to a cheaper area?"

from the blog: Relocating Tips: How to Make a Smooth Transition,

"Should I pay off my student loans right now?"

"How should we prepare for digital currency?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Jul 2023 20:45:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "How can I get my husband on board?" 

Why emergencies become inconveniences when you have financial peace,

"Can I afford to move to a cheaper area?"

from the blog: Relocating Tips: How to Make a Smooth Transition,

"Should I pay off my student loans right now?"

"How should we prepare for digital currency?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "How can I get my husband on board?" </li>
<li>Why emergencies become inconveniences when you have financial peace,</li>
<li>"Can I afford to move to a cheaper area?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/relocating-tips?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Relocating Tips: How to Make a Smooth Transition</a>,</li>
<li>"Should I pay off my student loans right now?"</li>
<li>"How should we prepare for digital currency?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[936be562-0c53-11ee-abef-5b4a21995df7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4808847318.mp3?updated=1688589258" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Happens When Student Loan Payments Restart? (Hour 1)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "How can I help my friends with money?"

How student loan repayment plans will affect retailers and people's budgets,

from the blog: Supreme Court Strikes Down Biden’s Student Loan Forgiveness Plan,

"Will we ever be able to afford a house?"

from the blog: How Much House Can I Afford?


"I feel hopeless about following the Baby Steps"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Jul 2023 19:38:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:

 "How can I help my friends with money?"

How student loan repayment plans will affect retailers and people's budgets,

from the blog: Supreme Court Strikes Down Biden’s Student Loan Forgiveness Plan,

"Will we ever be able to afford a house?"

from the blog: How Much House Can I Afford?


"I feel hopeless about following the Baby Steps"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "How can I help my friends with money?"</li>
<li>How student loan repayment plans will affect retailers and people's budgets,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/supreme-court-biden-student-loan-forgiveness-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Supreme Court Strikes Down Biden’s Student Loan Forgiveness Plan</a>,</li>
<li>"Will we ever be able to afford a house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>"I feel hopeless about following the Baby Steps"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2519</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7ed953f6-0c52-11ee-9187-63e88e4eee02]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8129566131.mp3?updated=1688585722" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 9)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Jul 2023 21:43:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e817c508-0c54-11ee-8cc4-0358350f55d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7510836852.mp3?updated=1688507231" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 8)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Jul 2023 21:05:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93575cf0-0c53-11ee-abef-7f3dabbadd13]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4773901768.mp3?updated=1688504964" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 7)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Jul 2023 21:02:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2519</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2454729334.mp3?updated=1688504692" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 6)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Jul 2023 21:28:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2481</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e80109f8-0c54-11ee-8cc4-dfc0a19bb0b6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7209027119.mp3?updated=1688419935" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 5)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.
 
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Jul 2023 20:28:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.
 
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.</p><p> </p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9341df7e-0c53-11ee-abef-ff7f655f7242]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7767676815.mp3?updated=1688416339" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 4)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Jul 2023 19:47:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7ea80aee-0c52-11ee-9187-97ec11cf426d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5496982710.mp3?updated=1688413850" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Please, Do Not Get The Extended Warranty! (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 "Should I pay off my debt with variable interest before my other debts?"

Why a new car with the extended warranty doesn't provide you more security than a used vehicle,

from the blog: Are Extended Warranties Worth It?


The potential collapse of Airbnb and how that effects those invested in short term rentals,

from the blog: How to Invest in Real Estate


What to do when taking care of your house is taking up too much of your time and money,

from the blog: How to Budget for a House


"What should I do when my husband and I don't agree on buying a car from a dealership or private party?",

from the blog: 10 Car Buying Tips



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Jun 2023 21:33:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 "Should I pay off my debt with variable interest before my other debts?"

Why a new car with the extended warranty doesn't provide you more security than a used vehicle,

from the blog: Are Extended Warranties Worth It?


The potential collapse of Airbnb and how that effects those invested in short term rentals,

from the blog: How to Invest in Real Estate


What to do when taking care of your house is taking up too much of your time and money,

from the blog: How to Budget for a House


"What should I do when my husband and I don't agree on buying a car from a dealership or private party?",

from the blog: 10 Car Buying Tips



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "Should I pay off my debt with variable interest before my other debts?"</li>
<li>Why a new car with the extended warranty doesn't provide you more security than a used vehicle,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/just-say-no-to-extended-warranties?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Are Extended Warranties Worth It?</a>
</li>
<li>The potential collapse of Airbnb and how that effects those invested in short term rentals,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>
</li>
<li>What to do when taking care of your house is taking up too much of your time and money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/5-steps-to-buying-home-wont-bust-your-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget for a House</a>
</li>
<li>"What should I do when my husband and I don't agree on buying a car from a dealership or private party?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/car-buying-tips?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Car Buying Tips</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[10e7c342-008a-11ee-a9cf-c3b574a36923]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2978569834.mp3?updated=1688160750" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Compound Interest Can Save You Millions (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 The best place to keep money saved when facing large medical expenses,

"Should we move in with family to save money?", 

When it's beneficial to downsize your home to meet other financial goals, 

from the blog: Downsizing Your Home: 3 Money Benefits


The power of compound interest, 

from the blog: How Does Compound Interest Work?


Why you shouldn't use high-yield savings to out earn the interest you're paying on debt,

"Should I offer 50% to the credit card to settle past due debt?",

from the blog: How to Deal With Debt Collectors When You Can't Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Jun 2023 20:39:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 The best place to keep money saved when facing large medical expenses,

"Should we move in with family to save money?", 

When it's beneficial to downsize your home to meet other financial goals, 

from the blog: Downsizing Your Home: 3 Money Benefits


The power of compound interest, 

from the blog: How Does Compound Interest Work?


Why you shouldn't use high-yield savings to out earn the interest you're paying on debt,

"Should I offer 50% to the credit card to settle past due debt?",

from the blog: How to Deal With Debt Collectors When You Can't Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> The best place to keep money saved when facing large medical expenses,</li>
<li>"Should we move in with family to save money?", </li>
<li>When it's beneficial to downsize your home to meet other financial goals, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/3-money-smart-reasons-to-downsize?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Downsizing Your Home: 3 Money Benefits</a>
</li>
<li>The power of compound interest, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-does-compound-interest-work?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Does Compound Interest Work?</a>
</li>
<li>Why you shouldn't use high-yield savings to out earn the interest you're paying on debt,</li>
<li>"Should I offer 50% to the credit card to settle past due debt?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-deal-with-debt-collectors?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Deal With Debt Collectors When You Can't Pay</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47c713b4-0089-11ee-9803-f3442522301b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5473527954.mp3?updated=1688157133" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There's No Student Loan Forgiveness (And We're Here To Help) (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 What to do now that the Supreme Court has shut down Student Loan Forgiveness,

Looking to learn more?  Check out the Guide to Getting Rid of Your Student Loans


"Should I sell my Tesla stock to pay off my mortgage?" 

from the blog: Should I Use My Investments to Pay Off Debt?


When to know if you should leave a job that's overworking you,

from the website: Should I Quit My Job Quiz


The best way to account for your "4 walls" in your budget,

from the blog: 4 Things You Must Include in Your Budget


"Should I move and change jobs because where I live has a high cost of living?"

from the blog: Where Should I Move?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Jun 2023 19:30:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 What to do now that the Supreme Court has shut down Student Loan Forgiveness,

Looking to learn more?  Check out the Guide to Getting Rid of Your Student Loans


"Should I sell my Tesla stock to pay off my mortgage?" 

from the blog: Should I Use My Investments to Pay Off Debt?


When to know if you should leave a job that's overworking you,

from the website: Should I Quit My Job Quiz


The best way to account for your "4 walls" in your budget,

from the blog: 4 Things You Must Include in Your Budget


"Should I move and change jobs because where I live has a high cost of living?"

from the blog: Where Should I Move?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> What to do now that the Supreme Court has shut down Student Loan Forgiveness,</li>
<li>Looking to learn more?  Check out the <a href="https://www.ramseysolutions.com/debt/student-loan-debt-guide/introduction?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_highlight_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Guide to Getting Rid of Your Student Loans</a>
</li>
<li>"Should I sell my Tesla stock to pay off my mortgage?" </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>When to know if you should leave a job that's overworking you,</li>
<li>from the website: <a href="https://www.ramseysolutions.com/career-advice/should-i-quit-my-job-quiz?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Quit My Job Quiz</a>
</li>
<li>The best way to account for your "4 walls" in your budget,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/4-things-you-must-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">4 Things You Must Include in Your Budget</a>
</li>
<li>"Should I move and change jobs because where I live has a high cost of living?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/where-should-i-move?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Where Should I Move?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0f48cec-0087-11ee-a657-db911715860f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4786116439.mp3?updated=1688153492" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Moving Out Causes You To Grow Up (Hour 3)</title>
      <description>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

 "I'm 27 and don't know if I should move out of my dads house", 

from the blog: 4 Mistakes to Avoid When Renting


When to know you can quit working for a toxic boss,

What to do when you keep getting hit with financial issues as a single mom,

from the blog: Budgeting Tips for Single Moms


"Am I moving up in my career too quickly?"

from the blog: How to Get a Promotion at Work



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Jun 2023 21:31:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

 "I'm 27 and don't know if I should move out of my dads house", 

from the blog: 4 Mistakes to Avoid When Renting


When to know you can quit working for a toxic boss,

What to do when you keep getting hit with financial issues as a single mom,

from the blog: Budgeting Tips for Single Moms


"Am I moving up in my career too quickly?"

from the blog: How to Get a Promotion at Work



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "I'm 27 and don't know if I should move out of my dads house", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/4-mistakes-to-avoid-when-renting?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">4 Mistakes to Avoid When Renting</a>
</li>
<li>When to know you can quit working for a toxic boss,</li>
<li>What to do when you keep getting hit with financial issues as a single mom,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/budgeting-tips-for-single-moms?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Budgeting Tips for Single Moms</a>
</li>
<li>"Am I moving up in my career too quickly?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-get-a-promotion?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get a Promotion at Work</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[10cf391c-008a-11ee-a9cf-d7e97c11fea4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6143263594.mp3?updated=1688074276" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Having No Debt Lets You Live Life On Your Terms (Hour 2)</title>
      <description>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

What to do when your spouse isn't on the same page and continues to financially sabotage themselves,

from the blog: How to Survive Divorce: Protect Yourself and Your Finances


When you don't owe anyone anything you have autonomy and options,

from the blog: 10 Characteristics of Debt-Free Living


"Should I invest in a company 401(k) as an intern?",

How to pay off debt with an inconsistent income, 

from the blog: How to Budget With an Irregular Income


Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason,

How to choose a side hustle in while in Baby Step 2. 

from the blog: 27 Side Hustle Ideas to Earn Extra Cash



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Jun 2023 20:31:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

What to do when your spouse isn't on the same page and continues to financially sabotage themselves,

from the blog: How to Survive Divorce: Protect Yourself and Your Finances


When you don't owe anyone anything you have autonomy and options,

from the blog: 10 Characteristics of Debt-Free Living


"Should I invest in a company 401(k) as an intern?",

How to pay off debt with an inconsistent income, 

from the blog: How to Budget With an Irregular Income


Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason,

How to choose a side hustle in while in Baby Step 2. 

from the blog: 27 Side Hustle Ideas to Earn Extra Cash



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>What to do when your spouse isn't on the same page and continues to financially sabotage themselves,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/after-the-divorce-get-financial-feet-back?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Survive Divorce: Protect Yourself and Your Finances</a>
</li>
<li>When you don't owe anyone anything you have autonomy and options,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/7-characteristics-of-debt-free-people?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Characteristics of Debt-Free Living</a>
</li>
<li>"Should I invest in a company 401(k) as an intern?",</li>
<li>How to pay off debt with an inconsistent income, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>
</li>
<li>Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason,</li>
<li>How to choose a side hustle in while in Baby Step 2. </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Cash</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47b1984a-0089-11ee-9803-e325f90787d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3666468433.mp3?updated=1688070719" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Money Doesn't Have Feelings! (Hour 1)</title>
      <description>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

 What to do when you can't afford the minimum payments on your student loans,

from the blog: How to Pay Off Student Loans Quickly: 10 Easy Steps for Success


"How can I get my husband more excited about giving?",

from the blog: The Importance of Giving Back


Millennials taking on $1,000 side hustles to make ends meet,

How to start saving for college,

from the blog: 10 Best Ways to Save for College


If it's worth it to take a pay cut to pursue a new career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Jun 2023 19:30:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:

 What to do when you can't afford the minimum payments on your student loans,

from the blog: How to Pay Off Student Loans Quickly: 10 Easy Steps for Success


"How can I get my husband more excited about giving?",

from the blog: The Importance of Giving Back


Millennials taking on $1,000 side hustles to make ends meet,

How to start saving for college,

from the blog: 10 Best Ways to Save for College


If it's worth it to take a pay cut to pursue a new career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> What to do when you can't afford the minimum payments on your student loans,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-student-loans-quickly?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Student Loans Quickly: 10 Easy Steps for Success</a>
</li>
<li>"How can I get my husband more excited about giving?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/importance-of-giving-back?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Importance of Giving Back</a>
</li>
<li>Millennials taking on $1,000 side hustles to make ends meet,</li>
<li>How to start saving for college,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/saving-for-college-is-easier-than-you-think?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Best Ways to Save for College</a>
</li>
<li>If it's worth it to take a pay cut to pursue a new career.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0ddfef0-0087-11ee-a657-2fd348a0fe7c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9079728857.mp3?updated=1688067020" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Rob One Account To Pay Another! (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to be financially prepared for unpaid paternity leave,

from the blog: How Much Does It Cost to Have a Baby?


How credit card rewards may be affected by new legislation,

from the blog: Are Credit Card Points Worth It?


"Should I use my HSA to pay off my truck?",

from the blog: What Qualifies for HSA Medical Expenses?


"Why is it so back to use credit cards if you can use them responsibly?",

from the blog: Do I Need a Credit Card?


from The Fine Print Podcast: The True Cost of Credit Card Rewards 

The best way to balance paying off student loans when you need a vehicle,

Why you shouldn't take out student loans for a career just because of the salary,

from the blog: Is College Worth It?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Jun 2023 21:30:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to be financially prepared for unpaid paternity leave,

from the blog: How Much Does It Cost to Have a Baby?


How credit card rewards may be affected by new legislation,

from the blog: Are Credit Card Points Worth It?


"Should I use my HSA to pay off my truck?",

from the blog: What Qualifies for HSA Medical Expenses?


"Why is it so back to use credit cards if you can use them responsibly?",

from the blog: Do I Need a Credit Card?


from The Fine Print Podcast: The True Cost of Credit Card Rewards 

The best way to balance paying off student loans when you need a vehicle,

Why you shouldn't take out student loans for a career just because of the salary,

from the blog: Is College Worth It?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> How to be financially prepared for unpaid paternity leave,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/cost-of-having-a-baby?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much Does It Cost to Have a Baby?</a>
</li>
<li>How credit card rewards may be affected by new legislation,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/credit-card-rewards-yeah-right?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Are Credit Card Points Worth It?</a>
</li>
<li>"Should I use my HSA to pay off my truck?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/hsa-qualified-expenses?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Qualifies for HSA Medical Expenses?</a>
</li>
<li>"Why is it so back to use credit cards if you can use them responsibly?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/excuses-to-keep-credit-cards?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Do I Need a Credit Card?</a>
</li>
<li>from The Fine Print Podcast: <a href="https://youtu.be/7LtnnYx08Wc?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The True Cost of Credit Card Rewards</a> </li>
<li>The best way to balance paying off student loans when you need a vehicle,</li>
<li>Why you shouldn't take out student loans for a career just because of the salary,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/is-college-worth-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is College Worth It?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2478</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[10b67e72-008a-11ee-a9cf-77517b8a5f50]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6159494463.mp3?updated=1687987797" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Using F.I.R.E. To Retire Can Lead To Regrets (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 The importance of combining finances with your spouse when you get married,

from the blog: And Two Become One: How to Combine Bank Accounts


Why the FIRE movement can lead to concerns about having enough money,

from the blog: Can I Retire Early?


What to do when your values don't match your career,

How to decide if you should take a severance and find a new job or risk staying and being laid off,

from the blog: What to Do if You're Laid Off?


"How can I be more generous outside of tithing?",

from the blog: The Generosity Effect



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Jun 2023 20:33:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 The importance of combining finances with your spouse when you get married,

from the blog: And Two Become One: How to Combine Bank Accounts


Why the FIRE movement can lead to concerns about having enough money,

from the blog: Can I Retire Early?


What to do when your values don't match your career,

How to decide if you should take a severance and find a new job or risk staying and being laid off,

from the blog: What to Do if You're Laid Off?


"How can I be more generous outside of tithing?",

from the blog: The Generosity Effect



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> The importance of combining finances with your spouse when you get married,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/married-couples-how-to-combine-bank-accounts?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">And Two Become One: How to Combine Bank Accounts</a>
</li>
<li>Why the FIRE movement can lead to concerns about having enough money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/can-you-retire-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Can I Retire Early?</a>
</li>
<li>What to do when your values don't match your career,</li>
<li>How to decide if you should take a severance and find a new job or risk staying and being laid off,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-to-do-if-you-get-laid-off?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do if You're Laid Off?</a>
</li>
<li>"How can I be more generous outside of tithing?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/generosity-effect?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Generosity Effect</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[479d16d6-0089-11ee-9803-475eff0268a7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6960809452.mp3?updated=1687984459" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Buy. Now, Pay" Later Is Exploding (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to budget on an irregular income,

from the blog: How to Budget With an Irregular Income


The best accounts to use when saving for college tuition and home purchases, 

from the blog: How to Start a College Fund


How "Buy Now, Pay Later" is exploding and users are struggling,

from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet


How to know if you can afford to purchase a vacation home,

from the blog: How Can I Afford a Vacation Home?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Jun 2023 19:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 How to budget on an irregular income,

from the blog: How to Budget With an Irregular Income


The best accounts to use when saving for college tuition and home purchases, 

from the blog: How to Start a College Fund


How "Buy Now, Pay Later" is exploding and users are struggling,

from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet


How to know if you can afford to purchase a vacation home,

from the blog: How Can I Afford a Vacation Home?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> How to budget on an irregular income,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>
</li>
<li>The best accounts to use when saving for college tuition and home purchases, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-start-a-college-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start a College Fund</a>
</li>
<li>How "Buy Now, Pay Later" is exploding and users are struggling,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/digital-installment-plans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet</a>
</li>
<li>How to know if you can afford to purchase a vacation home,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/afford-vacation-home?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Can I Afford a Vacation Home?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2522</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0c5114c-0087-11ee-a657-273c87f45b82]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4656394062.mp3?updated=1687980920" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It Wasn't Easy, But Every Moment Was Worth It (Hour 3)</title>
      <description>Rachel Cruze &amp; John Delony answer your questions and discuss:

 What to do when you can't agree with your spouse on how much you can spend on a house,

from the blog: What to Do When Spouses Don't Agree on Money


"Should I focus on paying off my mortgage or investing for retirement?", 

An inspiring story of how much peace and stability comes with finally being completely debt free, 

Want to do your Debt Free Scream LIVE on the air? Fill out your Debt Free Scream Application today, 

What to do when you have family members that won't listen to your money advice.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Jun 2023 22:41:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony answer your questions and discuss:

 What to do when you can't agree with your spouse on how much you can spend on a house,

from the blog: What to Do When Spouses Don't Agree on Money


"Should I focus on paying off my mortgage or investing for retirement?", 

An inspiring story of how much peace and stability comes with finally being completely debt free, 

Want to do your Debt Free Scream LIVE on the air? Fill out your Debt Free Scream Application today, 

What to do when you have family members that won't listen to your money advice.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony answer your questions and discuss:</p><ul>
<li> What to do when you can't agree with your spouse on how much you can spend on a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/what-to-do-when-spouses-dont-agree-on-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do When Spouses Don't Agree on Money</a>
</li>
<li>"Should I focus on paying off my mortgage or investing for retirement?", </li>
<li>An inspiring story of how much peace and stability comes with finally being completely debt free, </li>
<li>Want to do your Debt Free Scream LIVE on the air? Fill out your <a href="https://www.ramseysolutions.com/shows/the-ramsey-show/debt-free-scream?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Debt Free Scream Application</a> today, </li>
<li>What to do when you have family members that won't listen to your money advice.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>1833</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[109cea02-008a-11ee-a9cf-bb5410ee494c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3969295453.mp3?updated=1687905587" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money Shouldn't Be A Score Card In Your Marriage (Hour 2)</title>
      <description>Rachel Cruze &amp; John Delony answer your questions and discuss:

 "I'm tired of not being the provider for my family and don't know how to change that",

from the blog: Money and Marriage: 7 Tips for a Healthy Relationship


If you should start saving for your kids college before their born, 

from the blog: How to Invest for Your Children's Future


"I'm upside down on my car loan with 28% interest - what should I do?", 

from the blog: How to Get Out of an Upside-Down Car Loan


What you should take into consideration when calculating how much house you can buy,

from the blog: How Much House Can I Afford?


When you should sell your vehicle to pay off all my debt, 

How much Americans spend on fireworks every year for the July 4th,

"Should I give my ex-wife more than she's entitled to after our divorce?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Jun 2023 20:30:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony answer your questions and discuss:

 "I'm tired of not being the provider for my family and don't know how to change that",

from the blog: Money and Marriage: 7 Tips for a Healthy Relationship


If you should start saving for your kids college before their born, 

from the blog: How to Invest for Your Children's Future


"I'm upside down on my car loan with 28% interest - what should I do?", 

from the blog: How to Get Out of an Upside-Down Car Loan


What you should take into consideration when calculating how much house you can buy,

from the blog: How Much House Can I Afford?


When you should sell your vehicle to pay off all my debt, 

How much Americans spend on fireworks every year for the July 4th,

"Should I give my ex-wife more than she's entitled to after our divorce?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony answer your questions and discuss:</p><ul>
<li> "I'm tired of not being the provider for my family and don't know how to change that",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/the-truth-about-money-and-relationships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Money and Marriage: 7 Tips for a Healthy Relationship</a>
</li>
<li>If you should start saving for your kids college before their born, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/investing-for-kids?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest for Your Children's Future</a>
</li>
<li>"I'm upside down on my car loan with 28% interest - what should I do?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-sell-an-upside-down-car#:~:text=You%27re%20upside%20down%20on,Yup%E2%80%94it%27s%20a%20huge%20bummer.?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of an Upside-Down Car Loan</a>
</li>
<li>What you should take into consideration when calculating how much house you can buy,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford#:~:text=on%20My%20Salary%3F-,To%20calculate%20how%20much%20house%20you%20can%20afford%2C%20use%20the,forget%20to%20consider%20HOA%20fees.?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>When you should sell your vehicle to pay off all my debt, </li>
<li>How much Americans spend on fireworks every year for the July 4th,</li>
<li>"Should I give my ex-wife more than she's entitled to after our divorce?" </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <guid isPermaLink="false"><![CDATA[478945a2-0089-11ee-9803-17a084487239]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5213848973.mp3?updated=1687897941" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>One Credit Card Swipe Can Determine Your Future (Hour 1)</title>
      <description>Rachel Cruze &amp; John Delony answer your questions and discuss:

"Should I pause the Baby Steps while I go through a career change?", 

How to cash flow the purchase of a vehicle while in Baby Step 1,

The best way to pay for graduate school without going into debt,

from the blog: How to Pay for College Without Student Loans


How you should invest the profits from the sale of flipping houses,

Some lifestyle changes you should be aware of when paying off all your debt,

from the blog: Living Without a Credit Score



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Jun 2023 19:36:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony answer your questions and discuss:

"Should I pause the Baby Steps while I go through a career change?", 

How to cash flow the purchase of a vehicle while in Baby Step 1,

The best way to pay for graduate school without going into debt,

from the blog: How to Pay for College Without Student Loans


How you should invest the profits from the sale of flipping houses,

Some lifestyle changes you should be aware of when paying off all your debt,

from the blog: Living Without a Credit Score



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony answer your questions and discuss:</p><ul>
<li>"Should I pause the Baby Steps while I go through a career change?", </li>
<li>How to cash flow the purchase of a vehicle while in Baby Step 1,</li>
<li>The best way to pay for graduate school without going into debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>
</li>
<li>How you should invest the profits from the sale of flipping houses,</li>
<li>Some lifestyle changes you should be aware of when paying off all your debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without a Credit Score</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2484</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0abf2b6-0087-11ee-a657-6f49fa2337a7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4745371250.mp3?updated=1687894284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have To Be Whole For Your Kids (Hour 3)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 How to work the Baby Steps while going through a divorce, 

from the blog: Divorce Checklist: How to Prepare for Divorce


What to do when when you owe money to family and the federal government for your student loans, 

"Should I use my 401(k) as a down payment for my house?", 

from the blog: The High Price of a 401(k) Withdrawal


What you should take into consideration when deciding to work less to be home with your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Jun 2023 21:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 How to work the Baby Steps while going through a divorce, 

from the blog: Divorce Checklist: How to Prepare for Divorce


What to do when when you owe money to family and the federal government for your student loans, 

"Should I use my 401(k) as a down payment for my house?", 

from the blog: The High Price of a 401(k) Withdrawal


What you should take into consideration when deciding to work less to be home with your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> How to work the Baby Steps while going through a divorce, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/how-to-prepare-for-divorce-checklist?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Divorce Checklist: How to Prepare for Divorce</a>
</li>
<li>What to do when when you owe money to family and the federal government for your student loans, </li>
<li>"Should I use my 401(k) as a down payment for my house?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/what-are-401k-withdrawal-rules?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The High Price of a 401(k) Withdrawal</a>
</li>
<li>What you should take into consideration when deciding to work less to be home with your kids.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1084f032-008a-11ee-a9cf-fbade96f6796]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6028887339.mp3?updated=1687815476" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can't Bandaid Over Your Addictions (Hour 2)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I get my finances back in order after a gambling addiction?", 

What to do when you feel guilty about living far away from family,

Why Apple's new high-yield savings account isn't as good as it seems,

"Should I use my HSA as an investment account?", 

from the blog: How to Make the Most of Your HSA Investment


How to prepare for marriage when one person has debt and the other does not, 

from the blog: 4 Steps to Make the Best of Marriage and Debt



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Jun 2023 20:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I get my finances back in order after a gambling addiction?", 

What to do when you feel guilty about living far away from family,

Why Apple's new high-yield savings account isn't as good as it seems,

"Should I use my HSA as an investment account?", 

from the blog: How to Make the Most of Your HSA Investment


How to prepare for marriage when one person has debt and the other does not, 

from the blog: 4 Steps to Make the Best of Marriage and Debt



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I get my finances back in order after a gambling addiction?", </li>
<li>What to do when you feel guilty about living far away from family,</li>
<li>Why Apple's new high-yield savings account isn't as good as it seems,</li>
<li>"Should I use my HSA as an investment account?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/hsa-investment?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make the Most of Your HSA Investment</a>
</li>
<li>How to prepare for marriage when one person has debt and the other does not, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/bringing-debt-baggage-into-a-marriage?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">4 Steps to Make the Best of Marriage and Debt</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2489</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4774c640-0089-11ee-9803-b7127eb4632d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4910726125.mp3?updated=1687811618" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Ready To Pay Up? This Shouldn't Surprise You... (Hour 1)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I budget on an irregular income?", 

from the blog: How to Budget With an Irregular Income


What to expect with student loans payments starting back in October, 

from the website: Borrowed Future: How Student Loans Are Killing The American Dream


"I have $60k in debt and don't know how to tackle this as a single mom", 

from the blog: Budgeting Tips for Single Moms


How to feel less emotionally drained when starting on the Baby Steps, 

What to do when you've prepared for big life change and still feel anxious.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Jun 2023 19:38:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I budget on an irregular income?", 

from the blog: How to Budget With an Irregular Income


What to expect with student loans payments starting back in October, 

from the website: Borrowed Future: How Student Loans Are Killing The American Dream


"I have $60k in debt and don't know how to tackle this as a single mom", 

from the blog: Budgeting Tips for Single Moms


How to feel less emotionally drained when starting on the Baby Steps, 

What to do when you've prepared for big life change and still feel anxious.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I budget on an irregular income?", </li>
<li>from the blog:<a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs"> How to Budget With an Irregular Income</a>
</li>
<li>What to expect with student loans payments starting back in October, </li>
<li>from the website: <a href="https://www.ramseysolutions.com/shows/borrowed-future-documentary?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Borrowed Future: How Student Loans Are Killing The American Dream</a>
</li>
<li>"I have $60k in debt and don't know how to tackle this as a single mom", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/budgeting-tips-for-single-moms?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Budgeting Tips for Single Moms</a>
</li>
<li>How to feel less emotionally drained when starting on the Baby Steps, </li>
<li>What to do when you've prepared for big life change and still feel anxious.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b092abd0-0087-11ee-a657-93d691c39acd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3423852526.mp3?updated=1687808211" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do We Do With Our Rental Properties? (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our rental properties?"

"My business isn't making as much as I thought",

"Should we pull from retirement to pay for our daughter's school?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Jun 2023 21:27:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our rental properties?"

"My business isn't making as much as I thought",

"Should we pull from retirement to pay for our daughter's school?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should we sell our rental properties?"</li>
<li>"My business isn't making as much as I thought",</li>
<li>"Should we pull from retirement to pay for our daughter's school?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[106b16c6-008a-11ee-a9cf-db353eaf9115]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7384957815.mp3?updated=1687555818" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Have Over $100,000 in Car Loans! (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our house to pay off debt?"

"We have over $100,000 in car loans..."

from the blog: How to Get Out of a Car Loan,

"Pay off my rental first or my home?"

"How can I be more competitive in the job market?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Jun 2023 20:29:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our house to pay off debt?"

"We have over $100,000 in car loans..."

from the blog: How to Get Out of a Car Loan,

"Pay off my rental first or my home?"

"How can I be more competitive in the job market?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should we sell our house to pay off debt?"</li>
<li>"We have over $100,000 in car loans..."</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/dont-let-your-car-loan-own-you?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of a Car Loan</a>,</li>
<li>"Pay off my rental first or my home?"</li>
<li>"How can I be more competitive in the job market?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[475f42ca-0089-11ee-9803-6bf8a9da4c57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5472372104.mp3?updated=1687552237" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Fed Interest Rate Hikes Mean for You (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should I sell stocks to pay off my car?"

from the blog: Should I Use My Investments to Pay Off Debt?


How the Fed raising interest rates affects you and your money,

Saving for a house while paying off debt,

"I feel stuck in my career",


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Jun 2023 19:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

 "Should I sell stocks to pay off my car?"

from the blog: Should I Use My Investments to Pay Off Debt?


How the Fed raising interest rates affects you and your money,

Saving for a house while paying off debt,

"I feel stuck in my career",


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/TRS
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should I sell stocks to pay off my car?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>How the Fed raising interest rates affects you and your money,</li>
<li>Saving for a house while paying off debt,</li>
<li>"I feel stuck in my career",</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.everydollar.com/TRS">www.everydollar.com/TRS</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b074b1ac-0087-11ee-a657-77d643464530]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5337357024.mp3?updated=1687548899" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Become a Millionaire if You Get to WORK! (Hour 3)</title>
      <description>Dave &amp; Jade interview millionaires to find out how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Jun 2023 21:27:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave &amp; Jade interview millionaires to find out how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave &amp; Jade interview millionaires to find out how they built their wealth.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2485</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[10533c86-008a-11ee-a9cf-03e7238a037c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1204948862.mp3?updated=1687469455" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Forget That Personal Finance Is Personal (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we downsize our home to become debt free?"

"How can I get my finances back on track?"

"Should we pause retirement to make ends meet?"

My mom got married to someone we don't know and didn't sign a prenup"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Jun 2023 20:30:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we downsize our home to become debt free?"

"How can I get my finances back on track?"

"Should we pause retirement to make ends meet?"

My mom got married to someone we don't know and didn't sign a prenup"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/jade
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should we downsize our home to become debt free?"</li>
<li>"How can I get my finances back on track?"</li>
<li>"Should we pause retirement to make ends meet?"</li>
<li>My mom got married to someone we don't know and didn't sign a prenup"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[474b25e2-0089-11ee-9803-7f14a3d8652b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5411528113.mp3?updated=1687465916" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Alex Hormozi: "Don’t Take Poor People’s Advice on Getting Rich" (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "How do I best refinance my student loans?"

Alex Hormozi on building wealth, investing in what you know, and investing in your own education,

"Can I afford to move out of my parents' house?"

"Stay at home with the kids or find a new job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Jun 2023 19:33:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "How do I best refinance my student loans?"

Alex Hormozi on building wealth, investing in what you know, and investing in your own education,

"Can I afford to move out of my parents' house?"

"Stay at home with the kids or find a new job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "How do I best refinance my student loans?"</li>
<li>Alex Hormozi on building wealth, investing in what you know, and investing in your own education,</li>
<li>"Can I afford to move out of my parents' house?"</li>
<li>"Stay at home with the kids or find a new job?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0562372-0087-11ee-a657-a3e83901825c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4688290279.mp3?updated=1687462303" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can We Stay Motivated? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 "What should we do with. my husband's car?"

"When should I apply for my dream college?"

Staying motivated in Baby Steps 4, 5 &amp; 6,

"What should I do after selling my house?"

"I'm paralyzed about starting the Baby Steps"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Jun 2023 21:35:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 "What should we do with. my husband's car?"

"When should I apply for my dream college?"

Staying motivated in Baby Steps 4, 5 &amp; 6,

"What should I do after selling my house?"

"I'm paralyzed about starting the Baby Steps"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "What should we do with. my husband's car?"</li>
<li>"When should I apply for my dream college?"</li>
<li>Staying motivated in Baby Steps 4, 5 &amp; 6,</li>
<li>"What should I do after selling my house?"</li>
<li>"I'm paralyzed about starting the Baby Steps"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[103b2e16-008a-11ee-a9cf-534ac456878d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5819214587.mp3?updated=1687383038" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Has Tipping Become “Entitlement Tax”? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 Has tipping become “entitlement tax”?

Deciding whether or not to stay at a job,

"Should I sell my car to pay off debt more quickly?"

"Which mortgage should we pay off first?"

"I regret my career choice but don't know where to go."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Jun 2023 20:35:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 Has tipping become “entitlement tax”?

Deciding whether or not to stay at a job,

"Should I sell my car to pay off debt more quickly?"

"Which mortgage should we pay off first?"

"I regret my career choice but don't know where to go."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> Has tipping become “entitlement tax”?</li>
<li>Deciding whether or not to stay at a job,</li>
<li>"Should I sell my car to pay off debt more quickly?"</li>
<li>"Which mortgage should we pay off first?"</li>
<li>"I regret my career choice but don't know where to go."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!</p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47360e0a-0089-11ee-9803-e301fc44e8b2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6677604981.mp3?updated=1687380048" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Are You Willing To Do To Pay Off Debt? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

 How to work as a team with your spouse around money,

"Should I sell the house to pay off debt?"

"How can I get rid of my debt for good?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! 
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Jun 2023 19:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

 How to work as a team with your spouse around money,

"Should I sell the house to pay off debt?"

"How can I get rid of my debt for good?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! 
www.everydollar.com/george
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> How to work as a team with your spouse around money,</li>
<li>"Should I sell the house to pay off debt?"</li>
<li>"How can I get rid of my debt for good?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! </p><p><a href="https://www.ramseysolutions.com/ramseyplus/everydollar/george?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_George&amp;utm_id=ramseysolutions">www.everydollar.com/george</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b03881be-0087-11ee-a657-8769f461654d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1493179792.mp3?updated=1687378124" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money Can’t Buy You Love (How To Spot a Romance Scam) (Hour 3)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 "Is there such a thing as good debt?"

Romance scams are on the rise,

The value of taking your time and stacking cash,

"We're $400k in debt as newlyweds; should we sell our house?"

"How do I get an apartment with no credit score?"

from the blog: Living Without a Credit Score,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!” www.everydollar.com/jade
  
Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Jun 2023 21:35:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 "Is there such a thing as good debt?"

Romance scams are on the rise,

The value of taking your time and stacking cash,

"We're $400k in debt as newlyweds; should we sell our house?"

"How do I get an apartment with no credit score?"

from the blog: Living Without a Credit Score,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!” www.everydollar.com/jade
  
Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Is there such a thing as good debt?"</li>
<li>Romance scams are on the rise,</li>
<li>The value of taking your time and stacking cash,</li>
<li>"We're $400k in debt as newlyweds; should we sell our house?"</li>
<li>"How do I get an apartment with no credit score?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without a Credit Score</a>,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!” <a href="https://www.ramseysolutions.com/ramseyplus/everydollar/jade?utm_source=TRS&amp;utm_medium=TRS&amp;utm_campaign=TRS_Jade&amp;utm_id=ramseysolutions">www.everydollar.com/jade</a></p><p>  </p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1022517a-008a-11ee-a9cf-6ba895673944]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5136878593.mp3?updated=1687296925" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Power of Compound Interest (Hour 2)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 How do I get started investing?

from the blog: How Does Compound Interest Work?


Pursuing your passion while still providing for your family,

"Is it unethical to use my G.I. bill to go to school?"

Investing vs. paying off the home,

"How can I get my parents to make better decisions?"

The best type of account to use for saving money.

from the blog: What Is a High-Yield Savings Account and Do I Need One?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Jun 2023 20:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 How do I get started investing?

from the blog: How Does Compound Interest Work?


Pursuing your passion while still providing for your family,

"Is it unethical to use my G.I. bill to go to school?"

Investing vs. paying off the home,

"How can I get my parents to make better decisions?"

The best type of account to use for saving money.

from the blog: What Is a High-Yield Savings Account and Do I Need One?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> How do I get started investing?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-does-compound-interest-work?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Does Compound Interest Work?</a>
</li>
<li>Pursuing your passion while still providing for your family,</li>
<li>"Is it unethical to use my G.I. bill to go to school?"</li>
<li>Investing vs. paying off the home,</li>
<li>"How can I get my parents to make better decisions?"</li>
<li>The best type of account to use for saving money.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4720bb54-0089-11ee-9803-c38504a1c7f4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3547440832.mp3?updated=1687293330" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Earn Extra Money With a Side Hustle While Doing What You Love (Hour 1)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 "How do I zero in on the job I should find?"

"Should I pay off my debt or save up for a down payment?"

Finding the perfect side hustle

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Should we keep our duplex or sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Jun 2023 19:37:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

 "How do I zero in on the job I should find?"

"Should I pay off my debt or save up for a down payment?"

Finding the perfect side hustle

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Should we keep our duplex or sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "How do I zero in on the job I should find?"</li>
<li>"Should I pay off my debt or save up for a down payment?"</li>
<li>Finding the perfect side hustle</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Cash</a>,</li>
<li>"Should we keep our duplex or sell it?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0202e66-0087-11ee-a657-17b734455f19]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8852105740.mp3?updated=1687289863" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Keep Investing While Paying Off Debt? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

Why you shouldn't continue to invest while paying off debt,

"How do we split this inheritance?"

"Should I change careers to earn more money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Jun 2023 21:28:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

Why you shouldn't continue to invest while paying off debt,

"How do we split this inheritance?"

"Should I change careers to earn more money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>Why you shouldn't continue to invest while paying off debt,</li>
<li>"How do we split this inheritance?"</li>
<li>"Should I change careers to earn more money?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1009e0c2-008a-11ee-a9cf-d327d2cbc837]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7026272008.mp3?updated=1687210315" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing in a Bull Market vs. a Bear Market (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we buy land right now?"

"What's the difference between a bear and bull market?"

"I took out a HELOC to flip a house and now I can't sell it",

Dave walks through his first experience flipping houses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Jun 2023 20:33:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we buy land right now?"

"What's the difference between a bear and bull market?"

"I took out a HELOC to flip a house and now I can't sell it",

Dave walks through his first experience flipping houses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should we buy land right now?"</li>
<li>"What's the difference between a bear and bull market?"</li>
<li>"I took out a HELOC to flip a house and now I can't sell it",</li>
<li>Dave walks through his first experience flipping houses.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[470adc12-0089-11ee-9803-a3ee7f2105fb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6717677773.mp3?updated=1687206678" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Automate "Smart" and Make "Stupid" Hard (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 How paying extra on your house is like a forced savings plan,

"Am I making enough money?"

The best way to pay off student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Jun 2023 19:50:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 How paying extra on your house is like a forced savings plan,

"Am I making enough money?"

The best way to pay off student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> How paying extra on your house is like a forced savings plan,</li>
<li>"Am I making enough money?"</li>
<li>The best way to pay off student loans.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b006bbde-0087-11ee-a657-f39044ef0c16]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5397800334.mp3?updated=1687203701" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off Our House Right Now? (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "I feel like I'm not actually living financially well"

"Should I use mutual funds to pay off my house?"

"How can we take a nice vacation on a budget?"

"Should I move into a van to save money?"

"Sell my car to pay off debt?"

"Paying off debt with medical issues"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Jun 2023 21:33:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "I feel like I'm not actually living financially well"

"Should I use mutual funds to pay off my house?"

"How can we take a nice vacation on a budget?"

"Should I move into a van to save money?"

"Sell my car to pay off debt?"

"Paying off debt with medical issues"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "I feel like I'm not actually living financially well"</li>
<li>"Should I use mutual funds to pay off my house?"</li>
<li>"How can we take a nice vacation on a budget?"</li>
<li>"Should I move into a van to save money?"</li>
<li>"Sell my car to pay off debt?"</li>
<li>"Paying off debt with medical issues"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0ff1f1ce-008a-11ee-a9cf-bb304cc6efe9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1773507932.mp3?updated=1686951202" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Afford To Buy a House on My Income? (Hour 2)</title>
      <description>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "We want to move in together but have debt", 

"Should we pay off the house if we might move?"

"Where does school fall into the Baby Steps?"

"How can I buy a house on my income?"

"Should we fully fund our retirement?"

Paying off debt in collections,

from the blog: How to Deal With Debt Collectors When You Can’t Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Jun 2023 20:38:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "We want to move in together but have debt", 

"Should we pay off the house if we might move?"

"Where does school fall into the Baby Steps?"

"How can I buy a house on my income?"

"Should we fully fund our retirement?"

Paying off debt in collections,

from the blog: How to Deal With Debt Collectors When You Can’t Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "We want to move in together but have debt", </li>
<li>"Should we pay off the house if we might move?"</li>
<li>"Where does school fall into the Baby Steps?"</li>
<li>"How can I buy a house on my income?"</li>
<li>"Should we fully fund our retirement?"</li>
<li>Paying off debt in collections,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-deal-with-debt-collectors?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Deal With Debt Collectors When You Can’t Pay</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46f7237a-0089-11ee-9803-2f329901f644]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7125901614.mp3?updated=1686947586" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Real Reason Some Couples Don’t Share Bank Accounts (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "My mother-in-law wants us to pay her back for student loans she was already refunded for",

The real reason many couples don't share a bank account,

"I don't want to go back into debt for a house",

"How much should I be saving for retirement?"

from the blog: How to Save for Retirement



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Jun 2023 19:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:

 "My mother-in-law wants us to pay her back for student loans she was already refunded for",

The real reason many couples don't share a bank account,

"I don't want to go back into debt for a house",

"How much should I be saving for retirement?"

from the blog: How to Save for Retirement



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "My mother-in-law wants us to pay her back for student loans she was already refunded for",</li>
<li>The real reason many couples don't share a bank account,</li>
<li>"I don't want to go back into debt for a house",</li>
<li>"How much should I be saving for retirement?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-save-for-retirement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save for Retirement</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afeee7de-0087-11ee-a657-2f7e46cc01fe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8462308608.mp3?updated=1686944062" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Fiancè Wants To Keep His Credit Cards… (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should I sell generational land I inherited?"

"My fiancé wants to keep his credit cards..."

"My financial advisor wants me to invest before paying off debt."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Jun 2023 21:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should I sell generational land I inherited?"

"My fiancé wants to keep his credit cards..."

"My financial advisor wants me to invest before paying off debt."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I sell generational land I inherited?"</li>
<li>"My fiancé wants to keep his credit cards..."</li>
<li>"My financial advisor wants me to invest before paying off debt."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0fd8f3c2-008a-11ee-a9cf-47dcff8b3998]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6124642637.mp3?updated=1686864872" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do You Think the American Economy Is Going To Collapse? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should I pay off my home before my student loans?"

Habits of successful millionaires,

How debt is pushed on immigrants when they come to the US,

"Should I pay off my debt before buying a rental?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Jun 2023 20:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should I pay off my home before my student loans?"

Habits of successful millionaires,

How debt is pushed on immigrants when they come to the US,

"Should I pay off my debt before buying a rental?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I pay off my home before my student loans?"</li>
<li>Habits of successful millionaires,</li>
<li>How debt is pushed on immigrants when they come to the US,</li>
<li>"Should I pay off my debt before buying a rental?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46e3253c-0089-11ee-9803-9f35962ed5cc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4011665811.mp3?updated=1686861350" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Making Out With Bank of America! (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Will paying off student loans hurt my credit?"

Why Roth investments beat traditional,

from the blog: What Is a Roth IRA?


"Should I move out on my own to be closer to work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Jun 2023 19:36:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Will paying off student loans hurt my credit?"

Why Roth investments beat traditional,

from the blog: What Is a Roth IRA?


"Should I move out on my own to be closer to work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Will paying off student loans hurt my credit?"</li>
<li>Why Roth investments beat traditional,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/roth-ira-101?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Roth IRA?</a>
</li>
<li>"Should I move out on my own to be closer to work?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afd7b7d0-0087-11ee-a657-eb2a2dcf83ce]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9082816265.mp3?updated=1686857440" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy a House From Family? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should we buy a house from family?"

Dr. Meg Meeker on fatherhood,

"I feel like I'm focusing on too many things"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Jun 2023 21:38:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should we buy a house from family?"

Dr. Meg Meeker on fatherhood,

"I feel like I'm focusing on too many things"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should we buy a house from family?"</li>
<li>Dr. Meg Meeker on fatherhood,</li>
<li>"I feel like I'm focusing on too many things"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0fbfe45e-008a-11ee-a9cf-0b43a45095cf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4248752316.mp3?updated=1686778519" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Can Make You a Millionaire in 10 Years (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Roll my credit card debt into my mortgage?"

"Should I leave everything to my wife in the will?"

"Is the goal of wealth realistic at 70 years old?"

Should we move in with my in-laws to save money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Jun 2023 20:40:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Roll my credit card debt into my mortgage?"

"Should I leave everything to my wife in the will?"

"Is the goal of wealth realistic at 70 years old?"

Should we move in with my in-laws to save money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Roll my credit card debt into my mortgage?"</li>
<li>"Should I leave everything to my wife in the will?"</li>
<li>"Is the goal of wealth realistic at 70 years old?"</li>
<li>Should we move in with my in-laws to save money?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46cef3dc-0089-11ee-9803-3f5f25098fe4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4218036156.mp3?updated=1686774701" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Add My 3yo Kid to My Payroll for the Tax Benefits? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should I take out a car loan so I can keep my employer's car allowance?"

"Can I put my kids on our payroll so we can put money into a 401(k) for them?"

Selling a house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?


How spouses can balancing handling finances together.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Jun 2023 19:38:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should I take out a car loan so I can keep my employer's car allowance?"

"Can I put my kids on our payroll so we can put money into a 401(k) for them?"

Selling a house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?


How spouses can balancing handling finances together.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should I take out a car loan so I can keep my employer's car allowance?"</li>
<li>"Can I put my kids on our payroll so we can put money into a 401(k) for them?"</li>
<li>Selling a house to pay off debt,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/should-you-sell-your-home-to-knock-out-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should You Sell Your Home to Knock Out Debt?</a>
</li>
<li>How spouses can balancing handling finances together.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afbeda9e-0087-11ee-a657-e7c5971c60c0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7475957788.mp3?updated=1686771159" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Found Out My Boss Has a Hidden Credit Card… (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My boss is using company funds to pay his bills..."

"How do I prepare to start a business?"

"Should I sell off assets to pay off mortgage?"

Focusing on loans vs. increasing income,

"My bank told me I need a credit score"

"Sell our house to pay off student loans?"

"Should I invest part of my HSA account?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Jun 2023 21:39:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"My boss is using company funds to pay his bills..."

"How do I prepare to start a business?"

"Should I sell off assets to pay off mortgage?"

Focusing on loans vs. increasing income,

"My bank told me I need a credit score"

"Sell our house to pay off student loans?"

"Should I invest part of my HSA account?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"My boss is using company funds to pay his bills..."</li>
<li>"How do I prepare to start a business?"</li>
<li>"Should I sell off assets to pay off mortgage?"</li>
<li>Focusing on loans vs. increasing income,</li>
<li>"My bank told me I need a credit score"</li>
<li>"Sell our house to pay off student loans?"</li>
<li>"Should I invest part of my HSA account?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0fa74584-008a-11ee-a9cf-9f4af15f5172]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4490447571.mp3?updated=1686692392" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Help Others While You’re Drowning Yourself (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we pay cash to build a house or invest that money?"

Pausing the Baby Steps to save for a funeral,

"Should I give money to my friend?"

Focusing on debt vs. increasing income,

Budgeting with a baby on the way,

"I want a divorce but cannot afford it"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Jun 2023 20:42:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should we pay cash to build a house or invest that money?"

Pausing the Baby Steps to save for a funeral,

"Should I give money to my friend?"

Focusing on debt vs. increasing income,

Budgeting with a baby on the way,

"I want a divorce but cannot afford it"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should we pay cash to build a house or invest that money?"</li>
<li>Pausing the Baby Steps to save for a funeral,</li>
<li>"Should I give money to my friend?"</li>
<li>Focusing on debt vs. increasing income,</li>
<li>Budgeting with a baby on the way,</li>
<li>"I want a divorce but cannot afford it"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2489</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46bae50e-0089-11ee-9803-e32096877a83]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2800034403.mp3?updated=1686688812" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do You Think You’re the Exception to Credit Cards? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Why shouldn't I take advantage of credit card points for travel for work expenses?"

Preparing for a job loss,

"Should I change companies for a raise?"

Setting financial boundaries with parents,

Navigating a family tragedy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Jun 2023 19:51:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Why shouldn't I take advantage of credit card points for travel for work expenses?"

Preparing for a job loss,

"Should I change companies for a raise?"

Setting financial boundaries with parents,

Navigating a family tragedy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Why shouldn't I take advantage of credit card points for travel for work expenses?"</li>
<li>Preparing for a job loss,</li>
<li>"Should I change companies for a raise?"</li>
<li>Setting financial boundaries with parents,</li>
<li>Navigating a family tragedy.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2484</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afa476ea-0087-11ee-a657-4740f1203f24]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7851115827.mp3?updated=1686684584" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Preparing for the Worst While Walking the Baby Steps (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "Should I let my parents pay for my vehicle repairs?"

Walking the Baby Steps while battling cancer,

Contributing to an HSA while paying off debt,

How to use a large inheritance,

"How do I get out of $56k of debt as a single mom?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Jun 2023 21:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "Should I let my parents pay for my vehicle repairs?"

Walking the Baby Steps while battling cancer,

Contributing to an HSA while paying off debt,

How to use a large inheritance,

"How do I get out of $56k of debt as a single mom?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "Should I let my parents pay for my vehicle repairs?"</li>
<li>Walking the Baby Steps while battling cancer,</li>
<li>Contributing to an HSA while paying off debt,</li>
<li>How to use a large inheritance,</li>
<li>"How do I get out of $56k of debt as a single mom?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f8ffc94-008a-11ee-a9cf-3f460d98737f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2318881180.mp3?updated=1686605907" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Got Scammed in an Internet Affair (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Budgeting for medical expenses, 

from the blog: How to Get Help With Medical Bills,

"Is there a gift tax for 529 contributions?"

Planning to build a house,

"Should we pay off vehicles or send kids to private school?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Jun 2023 20:49:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Budgeting for medical expenses, 

from the blog: How to Get Help With Medical Bills,

"Is there a gift tax for 529 contributions?"

Planning to build a house,

"Should we pay off vehicles or send kids to private school?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> Budgeting for medical expenses, </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/help-with-medical-bills?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Help With Medical Bills</a>,</li>
<li>"Is there a gift tax for 529 contributions?"</li>
<li>Planning to build a house,</li>
<li>"Should we pay off vehicles or send kids to private school?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46a6e34c-0089-11ee-9803-db659abd3ec3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7496636141.mp3?updated=1686601992" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need To Plan Your Exit From This Toxic Relationship (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Financially planning an exit from a toxic dating relationship,

The "Marriage Advantage",

"Should I sell my car to get out of debt?"

from the blog: 

"Why is an ARM a bad mortgage?"

Dealing with a toxic estate planning situation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Jun 2023 19:38:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Financially planning an exit from a toxic dating relationship,

The "Marriage Advantage",

"Should I sell my car to get out of debt?"

from the blog: 

"Why is an ARM a bad mortgage?"

Dealing with a toxic estate planning situation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> Financially planning an exit from a toxic dating relationship,</li>
<li>The "Marriage Advantage",</li>
<li>"Should I sell my car to get out of debt?"</li>
<li class="ql-indent-1">from the blog: </li>
<li>"Why is an ARM a bad mortgage?"</li>
<li>Dealing with a toxic estate planning situation.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af8d6bda-0087-11ee-a657-f334bd6c465c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1566134539.mp3?updated=1686598268" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Set Financial Boundaries in My Relationships? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I sell my Tesla?"

Buying a house,

"Creating financial boundaries with my parents"

"Should I start a restaurant?"

"How do I start tackling my debt?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Jun 2023 21:50:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I sell my Tesla?"

Buying a house,

"Creating financial boundaries with my parents"

"Should I start a restaurant?"

"How do I start tackling my debt?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I sell my Tesla?"</li>
<li>Buying a house,</li>
<li>"Creating financial boundaries with my parents"</li>
<li>"Should I start a restaurant?"</li>
<li>"How do I start tackling my debt?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f76f276-008a-11ee-a9cf-1b0237395ab2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1232826473.mp3?updated=1686347297" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Best Side Hustles To Earn Extra Income (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I refinance my student loans?"

"Pay off my house or save?"

"What should I do with my new raise?"

"How do I make my first real estate purchase?"

Side hustle ideas,

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Should I let go of this dream of building my own home?"


Support Our Sponsor:

Zander Insurance

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Jun 2023 21:42:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "Should I refinance my student loans?"

"Pay off my house or save?"

"What should I do with my new raise?"

"How do I make my first real estate purchase?"

Side hustle ideas,

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Should I let go of this dream of building my own home?"


Support Our Sponsor:

Zander Insurance

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should I refinance my student loans?"</li>
<li>"Pay off my house or save?"</li>
<li>"What should I do with my new raise?"</li>
<li>"How do I make my first real estate purchase?"</li>
<li>Side hustle ideas,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Cash</a>,</li>
<li>"Should I let go of this dream of building my own home?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul>
<li><a href="https://bit.ly/2Xbn7hD">Zander Insurance</a></li>
<li><a href="https://www.neighborly.com/">Neighborly</a></li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46927aba-0089-11ee-9803-8bf377500d9d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3553376750.mp3?updated=1686344117" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The #1 Reason Most People Don’t Ditch Their Credit Cards (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "How do I talk to my family about starting my own business?"

The #1 reason most people are afraid to ditch their credit cards,

"What's the best way to budget my extra income?"

from the blog: Learn to Budget,

"How can I retire early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Jun 2023 21:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

 "How do I talk to my family about starting my own business?"

The #1 reason most people are afraid to ditch their credit cards,

"What's the best way to budget my extra income?"

from the blog: Learn to Budget,

"How can I retire early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "How do I talk to my family about starting my own business?"</li>
<li>The #1 reason most people are afraid to ditch their credit cards,</li>
<li>"What's the best way to budget my extra income?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Learn to Budget</a>,</li>
<li>"How can I retire early?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af7759da-0087-11ee-a657-ef897ea4d21f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4466250596.mp3?updated=1686343767" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Tired of the Life I’m Living, It’s a Mess (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Getting my husband on board with the plan",

"Should I increase my emergency fund for car repairs?"

"My girlfriend's family wants me to pay for my flight for this trip"

How the Baby Steps apply to people without kids,

Teaching kids to be wise with money. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Jun 2023 21:40:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Getting my husband on board with the plan",

"Should I increase my emergency fund for car repairs?"

"My girlfriend's family wants me to pay for my flight for this trip"

How the Baby Steps apply to people without kids,

Teaching kids to be wise with money. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Getting my husband on board with the plan",</li>
<li>"Should I increase my emergency fund for car repairs?"</li>
<li>"My girlfriend's family wants me to pay for my flight for this trip"</li>
<li>How the Baby Steps apply to people without kids,</li>
<li>Teaching kids to be wise with money. </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f5e4d02-008a-11ee-a9cf-b7d7a8e5cd60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8722623338.mp3?updated=1686259974" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>5 Things People Don’t Understand About the Ramsey Plan (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 5 things people don’t understand about the Ramsey Plan,

The problem with being high income-earning and broke,

Selling a house to be closer to a job,

"How much can I spend on hobbies while investing and building wealth?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Jun 2023 20:55:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 5 things people don’t understand about the Ramsey Plan,

The problem with being high income-earning and broke,

Selling a house to be closer to a job,

"How much can I spend on hobbies while investing and building wealth?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> 5 things people don’t understand about the Ramsey Plan,</li>
<li>The problem with being high income-earning and broke,</li>
<li>Selling a house to be closer to a job,</li>
<li>"How much can I spend on hobbies while investing and building wealth?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[467ced26-0089-11ee-9803-c7cc99c5f9c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1964421080.mp3?updated=1686256425" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Be the Boring Turtle, Not the Sexy Hare (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I get a prenup?"

Don't try to be the sexy hare that lost the race; be the boring turtle that won it,

"Should I sell my car to get out of debt?"

Why you shouldn't invest while still trying to pay off debt,

"I have $300k in debt and feel stuck"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Jun 2023 19:51:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I get a prenup?"

Don't try to be the sexy hare that lost the race; be the boring turtle that won it,

"Should I sell my car to get out of debt?"

Why you shouldn't invest while still trying to pay off debt,

"I have $300k in debt and feel stuck"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should I get a prenup?"</li>
<li>Don't try to be the sexy hare that lost the race; be the boring turtle that won it,</li>
<li>"Should I sell my car to get out of debt?"</li>
<li>Why you shouldn't invest while still trying to pay off debt,</li>
<li>"I have $300k in debt and feel stuck"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af61688c-0087-11ee-a657-cbbc153f7789]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8322661223.mp3?updated=1686253348" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Owe $200K in Student Loans (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "I owe over $200K in student debt, what do I do?"

"My husband passed away and I don't know what to do",

"How do I help my wife deal with mental health issues?"

"Am I too old to take out a student loan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Jun 2023 21:48:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "I owe over $200K in student debt, what do I do?"

"My husband passed away and I don't know what to do",

"How do I help my wife deal with mental health issues?"

"Am I too old to take out a student loan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "I owe over $200K in student debt, what do I do?"</li>
<li>"My husband passed away and I don't know what to do",</li>
<li>"How do I help my wife deal with mental health issues?"</li>
<li>"Am I too old to take out a student loan?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f44915a-008a-11ee-a9cf-33e1b9f78cff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6521297291.mp3?updated=1686173618" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Have a Ton of Debt &amp; No Retirement (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "We have a lot of debt and nothing for retirement",

"I'm upside down on my car, what should I do?"

"How much should we put down on a house?"

from the blog: How Much Down Payment Do You Need on a House?


What to do with an old pension plan,

"Should we sell our condo?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Jun 2023 20:43:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "We have a lot of debt and nothing for retirement",

"I'm upside down on my car, what should I do?"

"How much should we put down on a house?"

from the blog: How Much Down Payment Do You Need on a House?


What to do with an old pension plan,

"Should we sell our condo?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "We have a lot of debt and nothing for retirement",</li>
<li>"I'm upside down on my car, what should I do?"</li>
<li>"How much should we put down on a house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-down-payment-do-you-need?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much Down Payment Do You Need on a House?</a>
</li>
<li>What to do with an old pension plan,</li>
<li>"Should we sell our condo?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4667c5ea-0089-11ee-9803-27916a692f95]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6071818724.mp3?updated=1686169976" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Wants To Borrow $7K for MLM Training! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Buying siblings out of an inherited home,

"My wife wants to borrow $7k for MLM training",

"Should I sacrifice time with my son to get out of debt?"

Selling a rental house,

Withdrawing from a 401(k) to pay off debt.

from the blog: The High Price of a 401(k) Withdrawal



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Jun 2023 19:49:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 Buying siblings out of an inherited home,

"My wife wants to borrow $7k for MLM training",

"Should I sacrifice time with my son to get out of debt?"

Selling a rental house,

Withdrawing from a 401(k) to pay off debt.

from the blog: The High Price of a 401(k) Withdrawal



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> Buying siblings out of an inherited home,</li>
<li>"My wife wants to borrow $7k for MLM training",</li>
<li>"Should I sacrifice time with my son to get out of debt?"</li>
<li>Selling a rental house,</li>
<li>Withdrawing from a 401(k) to pay off debt.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/what-are-401k-withdrawal-rules?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The High Price of a 401(k) Withdrawal</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2483</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af4ab8bc-0087-11ee-a657-bb72c03559db]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4319275437.mp3?updated=1686166800" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is $1.4 Million Enough To Retire On? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I left my toxic job to start my own business",

"Is $1.4m enough to retire on?"

"Should we consolidate our debt?"

How much tax is due when cashing out stock,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Jun 2023 21:33:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I left my toxic job to start my own business",

"Is $1.4m enough to retire on?"

"Should we consolidate our debt?"

How much tax is due when cashing out stock,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "I left my toxic job to start my own business",</li>
<li>"Is $1.4m enough to retire on?"</li>
<li>"Should we consolidate our debt?"</li>
<li>How much tax is due when cashing out stock,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f2e01d8-008a-11ee-a9cf-0ff4ec5c9513]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2335268269.mp3?updated=1686087197" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Never Borrow Money for a Rental Property (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should my husband take this promotion?"

Why you shouldn't buy a rental property with debt,

Student loan pause coming to an end,

Managing money after a spouse has passed away.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Jun 2023 20:45:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should my husband take this promotion?"

Why you shouldn't buy a rental property with debt,

Student loan pause coming to an end,

Managing money after a spouse has passed away.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should my husband take this promotion?"</li>
<li>Why you shouldn't buy a rental property with debt,</li>
<li>Student loan pause coming to an end,</li>
<li>Managing money after a spouse has passed away.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[465350ce-0089-11ee-9803-f7c9bf100380]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6131574341.mp3?updated=1686084141" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is How You Become a Millionaire (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I keep pulling money out of my retirement for emergencies", 

"Should I pay off my mortgage with my life insurance money?"

"How do I build the kind of wealth that Dave Ramsey has built?"

Paying off debt with a low income,

from the blog: How the Debt Snowball Method Works,

"Should we pause the baby steps to move?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Jun 2023 19:39:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "I keep pulling money out of my retirement for emergencies", 

"Should I pay off my mortgage with my life insurance money?"

"How do I build the kind of wealth that Dave Ramsey has built?"

Paying off debt with a low income,

from the blog: How the Debt Snowball Method Works,

"Should we pause the baby steps to move?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "I keep pulling money out of my retirement for emergencies", </li>
<li>"Should I pay off my mortgage with my life insurance money?"</li>
<li>"How do I build the kind of wealth that Dave Ramsey has built?"</li>
<li>Paying off debt with a low income,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>,</li>
<li>"Should we pause the baby steps to move?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af362488-0087-11ee-a657-bf5958288bb0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1208277018.mp3?updated=1686079945" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is the Fastest Way To Pay Off Debt (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "How do I find a house without an HOA?"

"How do I start paying off my debt?"

"Should we get another mortgage?"

How to pay for med school,

"My husband and I disagree about credit cards"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Jun 2023 21:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "How do I find a house without an HOA?"

"How do I start paying off my debt?"

"Should we get another mortgage?"

How to pay for med school,

"My husband and I disagree about credit cards"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "How do I find a house without an HOA?"</li>
<li>"How do I start paying off my debt?"</li>
<li>"Should we get another mortgage?"</li>
<li>How to pay for med school,</li>
<li>"My husband and I disagree about credit cards"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2479</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f1905ee-008a-11ee-a9cf-439133b4be98]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2460984021.mp3?updated=1686000883" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Be Worried About AI? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should we be panicked about AI?"

"Should we sell our rentals to pay off our home?"

The Vikings stadium is about to be paid off,

Learning to overcome fear and spend money,

"Should my husband have a Roth IRA?"

"How do I stay motivated on Baby Step 3?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Jun 2023 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 "Should we be panicked about AI?"

"Should we sell our rentals to pay off our home?"

The Vikings stadium is about to be paid off,

Learning to overcome fear and spend money,

"Should my husband have a Roth IRA?"

"How do I stay motivated on Baby Step 3?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Should we be panicked about AI?"</li>
<li>"Should we sell our rentals to pay off our home?"</li>
<li>The Vikings stadium is about to be paid off,</li>
<li>Learning to overcome fear and spend money,</li>
<li>"Should my husband have a Roth IRA?"</li>
<li>"How do I stay motivated on Baby Step 3?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2472</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[463da09e-0089-11ee-9803-2300267cca14]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4629789150.mp3?updated=1685998811" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Does “House Poor” Mean and Why Is It Bad? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Is Dave inconsistent about his views on debt in collections?

"What does it mean to be 'house poor' and why is it bad?"

from the blog: How Much House Can I Afford?


"Should we pay off our car with home profits?"

Opening up a savings account for a baby,

"Should I lower my 401(k) to pay off the house?"

Pausing the baby steps to cash flow a wedding.

from the blog: When to Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Jun 2023 19:32:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Is Dave inconsistent about his views on debt in collections?

"What does it mean to be 'house poor' and why is it bad?"

from the blog: How Much House Can I Afford?


"Should we pay off our car with home profits?"

Opening up a savings account for a baby,

"Should I lower my 401(k) to pay off the house?"

Pausing the baby steps to cash flow a wedding.

from the blog: When to Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Is Dave inconsistent about his views on debt in collections?</li>
<li>"What does it mean to be 'house poor' and why is it bad?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>"Should we pay off our car with home profits?"</li>
<li>Opening up a savings account for a baby,</li>
<li>"Should I lower my 401(k) to pay off the house?"</li>
<li>Pausing the baby steps to cash flow a wedding.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When to Pause Your Debt Snowball</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af2023b8-0087-11ee-a657-3741d5dba0c8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6780030835.mp3?updated=1685993426" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm Scared You're Falling For A SCAM! (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "I was told to pull from my 401(k) to let other people invest it for me. Is this a good idea?",

How to start investing,

from the blog: How to Invest Money in 5 Simple Steps


What to do when paying off debt and you get laid off,

from the blog: How to Budget After a Job Loss


Why trying to play the credit game is "mind numbingly stupid,"

"Should we borrow from our Roth IRA to pay off my house?",

from the blog: Should I Take Money Out of My IRA to Pay Off Debt?


Why paying for rental property with cash is better than a loan,

from the blog: How to Invest in Real Estate



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Jun 2023 21:36:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "I was told to pull from my 401(k) to let other people invest it for me. Is this a good idea?",

How to start investing,

from the blog: How to Invest Money in 5 Simple Steps


What to do when paying off debt and you get laid off,

from the blog: How to Budget After a Job Loss


Why trying to play the credit game is "mind numbingly stupid,"

"Should we borrow from our Roth IRA to pay off my house?",

from the blog: Should I Take Money Out of My IRA to Pay Off Debt?


Why paying for rental property with cash is better than a loan,

from the blog: How to Invest in Real Estate



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "I was told to pull from my 401(k) to let other people invest it for me. Is this a good idea?",</li>
<li>How to start investing,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest Money in 5 Simple Steps</a>
</li>
<li>What to do when paying off debt and you get laid off,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/budgeting-after-job-loss?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget After a Job Loss</a>
</li>
<li>Why trying to play the credit game is "mind numbingly stupid,"</li>
<li>"Should we borrow from our Roth IRA to pay off my house?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/ira-withdrawal-to-pay-off-debt#:~:text=Dave%20Ramsey%20says%20you%20shouldn,money%20with%20Financial%20Peace%20University.?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Take Money Out of My IRA to Pay Off Debt?</a>
</li>
<li>Why paying for rental property with cash is better than a loan,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a780d20a-e39b-11ed-9ae5-9769248c702e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4595718298.mp3?updated=1685741856" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ignorance Is Not Bliss, It's Broke! (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Why should I pay off my mortgage instead of keeping money in my CD?", 

"Should I pay off my fiancée's debt with my savings?", 

How doing the math on student loan payments proves that making larger payments now benefits you in the long run, 

"What should I be doing to set up my kids for a successful financial future?", 

How to decide if you should sell your car to get out of debt, 

"We have $360k in student loans and don't know if we should use profits from the sale of our home to pay them off."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Jun 2023 20:44:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Why should I pay off my mortgage instead of keeping money in my CD?", 

"Should I pay off my fiancée's debt with my savings?", 

How doing the math on student loan payments proves that making larger payments now benefits you in the long run, 

"What should I be doing to set up my kids for a successful financial future?", 

How to decide if you should sell your car to get out of debt, 

"We have $360k in student loans and don't know if we should use profits from the sale of our home to pay them off."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Why should I pay off my mortgage instead of keeping money in my CD?", </li>
<li>"Should I pay off my fiancée's debt with my savings?", </li>
<li>How doing the math on student loan payments proves that making larger payments now benefits you in the long run, </li>
<li>"What should I be doing to set up my kids for a successful financial future?", </li>
<li>How to decide if you should sell your car to get out of debt, </li>
<li>"We have $360k in student loans and don't know if we should use profits from the sale of our home to pay them off."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[38c78508-e39a-11ed-8044-d7d134753759]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5073009444.mp3?updated=1685738842" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Let Subscriptions Own You (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Should I quit van life and sell my van to use as a down payment?",

Jade &amp; George share their monthly subscriptions and how they budget for them, 

from the website: 5-Minute Coverage Checkup


How to save for retirement when self-employed, 

from the blog: 5 Investing Options for Self-Employed People


"I have major storm damage to my house from a landslide and don't know if I should finance the repairs,"

"I'm $80k in debt and feel completely lost on how to get out of this," 

How to know if you should quit a commission job if you're not making enough income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Jun 2023 19:43:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

 "Should I quit van life and sell my van to use as a down payment?",

Jade &amp; George share their monthly subscriptions and how they budget for them, 

from the website: 5-Minute Coverage Checkup


How to save for retirement when self-employed, 

from the blog: 5 Investing Options for Self-Employed People


"I have major storm damage to my house from a landslide and don't know if I should finance the repairs,"

"I'm $80k in debt and feel completely lost on how to get out of this," 

How to know if you should quit a commission job if you're not making enough income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should I quit van life and sell my van to use as a down payment?",</li>
<li>Jade &amp; George share their monthly subscriptions and how they budget for them, </li>
<li>from the website: <a href="https://www.ramseysolutions.com/insurance/coverage-checkup/a6dd5488-0a35-472d-bb46-d2a58ff9645c/extended-basic-info?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">5-Minute Coverage Checkup</a>
</li>
<li>How to save for retirement when self-employed, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/5-investing-options-for-self-employed-people?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">5 Investing Options for Self-Employed People</a>
</li>
<li>"I have major storm damage to my house from a landslide and don't know if I should finance the repairs,"</li>
<li>"I'm $80k in debt and feel completely lost on how to get out of this," </li>
<li>How to know if you should quit a commission job if you're not making enough income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cc06c2da-e385-11ed-84a7-3736f05ece59]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4675980120.mp3?updated=1685734711" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You're Not Financially Ready, It's Not The Right Time (Hour 3)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 "We're getting kicked out of my grandpa's retirement community and we don't know if we should rent or buy," 

from the blog: Should I Rent or Buy a House?


Why it's important to share the same financial values with your significant other, 

"Should I insure my engagement ring?", 

from the blog: How to Buy an Engagement Ring: 5 Tips


How to financially prepare for a layoff, 

"Should we move away from family so we can afford a house?", 

from the blog: How Much House Can I Afford?


The best ways save for upcoming medical expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Jun 2023 21:33:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 "We're getting kicked out of my grandpa's retirement community and we don't know if we should rent or buy," 

from the blog: Should I Rent or Buy a House?


Why it's important to share the same financial values with your significant other, 

"Should I insure my engagement ring?", 

from the blog: How to Buy an Engagement Ring: 5 Tips


How to financially prepare for a layoff, 

"Should we move away from family so we can afford a house?", 

from the blog: How Much House Can I Afford?


The best ways save for upcoming medical expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "We're getting kicked out of my grandpa's retirement community and we don't know if we should rent or buy," </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>Why it's important to share the same financial values with your significant other, </li>
<li>"Should I insure my engagement ring?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-buy-engagement-ring?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy an Engagement Ring: 5 Tips</a>
</li>
<li>How to financially prepare for a layoff, </li>
<li>"Should we move away from family so we can afford a house?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>The best ways save for upcoming medical expenses.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a76bfcfe-e39b-11ed-9ae5-2fdf7c9c27f2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3300267468.mp3?updated=1685655300" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need A New Picture Of What Life Will Look Like (Hour 2)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 Why you should always make sure you have the proper coverage for your vehicle and family that drives them,

from the blog: Protect Yourself With The Right Coverage


"What should I do with money I saved for school now that I got a full ride scholarship?", 

How TurboTax cheated millions of people, 

from the The Fine Print Podcast with George Kamel: How TurboTax Is SCREWING You


"Should I sell my house to be completely debt free after a divorce?",

from the blog: Finances After the Unexpected: Divorce, Remarriage, and Death


"How do we get out of $50k of debt with low income?", 

from the blog: How to Get Out of Debt on a Low Income



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Jun 2023 20:41:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 Why you should always make sure you have the proper coverage for your vehicle and family that drives them,

from the blog: Protect Yourself With The Right Coverage


"What should I do with money I saved for school now that I got a full ride scholarship?", 

How TurboTax cheated millions of people, 

from the The Fine Print Podcast with George Kamel: How TurboTax Is SCREWING You


"Should I sell my house to be completely debt free after a divorce?",

from the blog: Finances After the Unexpected: Divorce, Remarriage, and Death


"How do we get out of $50k of debt with low income?", 

from the blog: How to Get Out of Debt on a Low Income



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Why you should always make sure you have the proper coverage for your vehicle and family that drives them,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/coverage-checkup?int_cmpgn=coverage_checkup&amp;int_dept=elp_bu&amp;int_lctn=Radio_Page&amp;int_fmt=text&amp;int_dscpn=CC_radio_spot_TPs&amp;lead_source=Digital_Content?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Protect Yourself With The Right Coverage</a>
</li>
<li>"What should I do with money I saved for school now that I got a full ride scholarship?", </li>
<li>How TurboTax cheated millions of people, </li>
<li>from the The Fine Print Podcast with George Kamel: <a href="https://podcasts.apple.com/gb/podcast/how-turbotax-is-screwing-you/id1543018939?i=1000530637671?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How TurboTax Is SCREWING You</a>
</li>
<li>"Should I sell my house to be completely debt free after a divorce?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/finances-after-the-unexpected-divorce-remarriage-and-death?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Finances After the Unexpected: Divorce, Remarriage, and Death</a>
</li>
<li>"How do we get out of $50k of debt with low income?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/pay-debt-off-with-a-low-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of Debt on a Low Income</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[38b0fde2-e39a-11ed-8044-db345314a88c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8157395741.mp3?updated=1685651996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>That's Triple Stupid! (Hour 1)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 "Can we afford to let my wife quit her job to be a stay at home mom?",

Why going further into debt isn't the answer to get out of debt, 

from the blog: What Is a 401(k) Loan? And How Does It Work?


"How do we get back on the Baby Steps after getting hit hard the last 2 years?", 

How intense you should be about paying off your mortgage when you still have consumer debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Jun 2023 19:47:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

 "Can we afford to let my wife quit her job to be a stay at home mom?",

Why going further into debt isn't the answer to get out of debt, 

from the blog: What Is a 401(k) Loan? And How Does It Work?


"How do we get back on the Baby Steps after getting hit hard the last 2 years?", 

How intense you should be about paying off your mortgage when you still have consumer debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li> "Can we afford to let my wife quit her job to be a stay at home mom?",</li>
<li>Why going further into debt isn't the answer to get out of debt, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/401k-loan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a 401(k) Loan? And How Does It Work?</a>
</li>
<li>"How do we get back on the Baby Steps after getting hit hard the last 2 years?", </li>
<li>How intense you should be about paying off your mortgage when you still have consumer debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cbefedf8-e385-11ed-84a7-834f78cdc1ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4934121600.mp3?updated=1685648224" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is REAL Bad! (Hour 3)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "Should I take out student loans so I can make a career change?", 

"My husband keeps lying to me about our financial situation", 

from the blog: Overcoming Financial Infidelity


How to decide about selling your house when moving,

"Should we continue living with family when there's major tension between my wife and my mom?", 

What to do when parents are stealing money from their kids. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 May 2023 21:39:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "Should I take out student loans so I can make a career change?", 

"My husband keeps lying to me about our financial situation", 

from the blog: Overcoming Financial Infidelity


How to decide about selling your house when moving,

"Should we continue living with family when there's major tension between my wife and my mom?", 

What to do when parents are stealing money from their kids. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "Should I take out student loans so I can make a career change?", </li>
<li>"My husband keeps lying to me about our financial situation", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/overcoming-financial-infidelity?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Overcoming Financial Infidelity</a>
</li>
<li>How to decide about selling your house when moving,</li>
<li>"Should we continue living with family when there's major tension between my wife and my mom?", </li>
<li>What to do when parents are stealing money from their kids. </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2489</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a757a088-e39b-11ed-9ae5-074c125f7ff0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7920297607.mp3?updated=1685568873" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Do All Of This AND The Dishes? (Hour 2)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I explain to my wife that the risk isn't worth the reward with credit cards?", 

from the blog: Living Without a Credit Score 

from The Fine Print Podcast with George Kamel: The Dirty Truth Behind Your Credit Score


How to increase income as a single mother that can't make ends meet, 

from the blog: How to Increase Your Income


Why you turn off social media and stop worrying about the world burning down around you, 

"My girlfriends debt is having a negative impact on our relationship".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 May 2023 20:51:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I explain to my wife that the risk isn't worth the reward with credit cards?", 

from the blog: Living Without a Credit Score 

from The Fine Print Podcast with George Kamel: The Dirty Truth Behind Your Credit Score


How to increase income as a single mother that can't make ends meet, 

from the blog: How to Increase Your Income


Why you turn off social media and stop worrying about the world burning down around you, 

"My girlfriends debt is having a negative impact on our relationship".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I explain to my wife that the risk isn't worth the reward with credit cards?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without a Credit Score</a> </li>
<li>from The Fine Print Podcast with George Kamel: <a href="https://podcasts.apple.com/gb/podcast/the-dirty-truth-behind-your-credit-score/id1543018939?i=1000538186156?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Dirty Truth Behind Your Credit Score</a>
</li>
<li>How to increase income as a single mother that can't make ends meet, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-increase-your-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Increase Your Income</a>
</li>
<li>Why you turn off social media and stop worrying about the world burning down around you, </li>
<li>"My girlfriends debt is having a negative impact on our relationship".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3899e6f2-e39a-11ed-8044-4ba5343958a5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3742093071.mp3?updated=1685565840" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have To Beat Your Spending Addiction (Hour 1)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I stay out of debt for good?", 

from the blog: How to Pay Off Credit Card Debt


"When does saving money and living with my parents become crutch?",

"Should we sell our house to pay off debt?",

"How do I start investing to create a stable financial future?", 

from the blog: How to Start Investing: A Beginner's Guide



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 May 2023 20:16:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:

 "How do I stay out of debt for good?", 

from the blog: How to Pay Off Credit Card Debt


"When does saving money and living with my parents become crutch?",

"Should we sell our house to pay off debt?",

"How do I start investing to create a stable financial future?", 

from the blog: How to Start Investing: A Beginner's Guide



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I stay out of debt for good?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-credit-card-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Credit Card Debt</a>
</li>
<li>"When does saving money and living with my parents become crutch?",</li>
<li>"Should we sell our house to pay off debt?",</li>
<li>"How do I start investing to create a stable financial future?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start Investing: A Beginner's Guide</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cbd8cd4e-e385-11ed-84a7-639d30a444ff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1513099470.mp3?updated=1685561863" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You've Got A Willy Wonka Ticket To Your Future! (Hour 3)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "Should I buy land to live in a camper during college?",

5 Signs That You'll Never Be Rich,

from the blog: How to Build Wealth at Any Age


Why you should keep business savings and personal expenses separate, 

from the blog: Best Small-Business Bookkeeping and Accounting


"Should I sell my car and buy a cheaper one with cash?",

from the blog: How to Sell a Car



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 May 2023 21:37:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "Should I buy land to live in a camper during college?",

5 Signs That You'll Never Be Rich,

from the blog: How to Build Wealth at Any Age


Why you should keep business savings and personal expenses separate, 

from the blog: Best Small-Business Bookkeeping and Accounting


"Should I sell my car and buy a cheaper one with cash?",

from the blog: How to Sell a Car



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> "Should I buy land to live in a camper during college?",</li>
<li>5 Signs That You'll Never Be Rich,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-build-wealth?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Build Wealth at Any Age</a>
</li>
<li>Why you should keep business savings and personal expenses separate, </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/taxes/small-business-bookkeeping-accounting?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Best Small-Business Bookkeeping and Accounting</a>
</li>
<li>"Should I sell my car and buy a cheaper one with cash?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-sell-a-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Sell a Car</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7438d64-e39b-11ed-9ae5-1f15896739cf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4986397931.mp3?updated=1685482535" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It Takes Time To Build Trust (Hour 2)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do I make a budget off commission?", 

from the blog: How to Budget With an Irregular Income


When to know if it's time to sell your business, 

The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey,

What to do when deciding if you should keep or sell family land.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 May 2023 20:42:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do I make a budget off commission?", 

from the blog: How to Budget With an Irregular Income


When to know if it's time to sell your business, 

The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey,

What to do when deciding if you should keep or sell family land.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I make a budget off commission?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>
</li>
<li>When to know if it's time to sell your business, </li>
<li>The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey,</li>
<li>What to do when deciding if you should keep or sell family land.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3880ba1a-e39a-11ed-8044-d32b00c4bb1d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6260565436.mp3?updated=1685479104" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>He Doesn't Want To Pay His Fiancée's Debt?! (Hour 1)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do we prepare to be on a single income?", 

from the blog: How to Make a Budget: Your Step-by-Step Guide


How do prepare for marriage when your on different Baby Steps, 

"How do I stick to my debt payoff plan when friends and family don't agree with my plan?", 

What to do when you have a good job but want to go back to school for a career change,

"I was in Baby Step 4 then went back in debt $60k - how do I get out of this?",


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 May 2023 19:40:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

 "How do we prepare to be on a single income?", 

from the blog: How to Make a Budget: Your Step-by-Step Guide


How do prepare for marriage when your on different Baby Steps, 

"How do I stick to my debt payoff plan when friends and family don't agree with my plan?", 

What to do when you have a good job but want to go back to school for a career change,

"I was in Baby Step 4 then went back in debt $60k - how do I get out of this?",


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do we prepare to be on a single income?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-make-a-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make a Budget: Your Step-by-Step Guide</a>
</li>
<li>How do prepare for marriage when your on different Baby Steps, </li>
<li>"How do I stick to my debt payoff plan when friends and family don't agree with my plan?", </li>
<li>What to do when you have a good job but want to go back to school for a career change,</li>
<li>"I was in Baby Step 4 then went back in debt $60k - how do I get out of this?",</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cbc15ab0-e385-11ed-84a7-0774dd2574ac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9709982381.mp3?updated=1685475395" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 3)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 May 2023 21:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a72fa54c-e39b-11ed-9ae5-676d102e8331]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4321972034.mp3?updated=1685396212" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 2)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 May 2023 20:51:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3863f11e-e39a-11ed-8044-8b6e24036c25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3641484285.mp3?updated=1685393399" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Favorite Calls of 2023 (Part 1)</title>
      <description>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 May 2023 19:44:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cbab2132-e385-11ed-84a7-936c3ff5071c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5799035438.mp3?updated=1685389199" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Even Know What Page You're On! (Hour 3)</title>
      <description>Ken Coleman &amp; John Delony answer your questions and discuss:
 

"How do my wife and I get on the same page with our spending habits?",

What to do when feeling lonely at work,

from the blog: How to Deal with Loneliness


When it's beneficial to change degrees to reach career goals faster,

"The dealership told me it's cheaper to finance through them than to pay cash",

from the blog: How to Buy a Used Car Right Now


"My girlfriend has high expectations for a house - how can I afford this?",

from the website: Ramsey Mortgage Calculator



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 26 May 2023 21:39:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; John Delony answer your questions and discuss:
 

"How do my wife and I get on the same page with our spending habits?",

What to do when feeling lonely at work,

from the blog: How to Deal with Loneliness


When it's beneficial to change degrees to reach career goals faster,

"The dealership told me it's cheaper to finance through them than to pay cash",

from the blog: How to Buy a Used Car Right Now


"My girlfriend has high expectations for a house - how can I afford this?",

from the website: Ramsey Mortgage Calculator



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"How do my wife and I get on the same page with our spending habits?",</li>
<li>What to do when feeling lonely at work,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/how-to-deal-with-loneliness?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Deal with Loneliness</a>
</li>
<li>When it's beneficial to change degrees to reach career goals faster,</li>
<li>"The dealership told me it's cheaper to finance through them than to pay cash",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-buy-a-used-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a Used Car Right Now</a>
</li>
<li>"My girlfriend has high expectations for a house - how can I afford this?",</li>
<li>from the website: <a href="https://www.ramseysolutions.com/real-estate/mortgage-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Mortgage Calculator</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2522</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a71989ba-e39b-11ed-9ae5-6fbc713d10bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4056379331.mp3?updated=1685137149" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Kind Of Boyfriend Have You Been To Debt? (Hour 2)</title>
      <description>Ken Coleman &amp; John Delony answer your questions and discuss:

 "How do I pay for college for 9 kids?", 

from the blog: 10 Ways to Pay for College


from the store: Foundations in Career Discovery


Why your credit score is a bad indicator for true wealth,

"I loaned $25k to my brother and his girlfriend and they won't pay me back",

from the blog: Should You Ever Loan Money to Family?


"Is it ethical to have two remote full-time jobs at the same time?"


Support Our Sponsor:

Churchill Mortgage

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 26 May 2023 20:36:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; John Delony answer your questions and discuss:

 "How do I pay for college for 9 kids?", 

from the blog: 10 Ways to Pay for College


from the store: Foundations in Career Discovery


Why your credit score is a bad indicator for true wealth,

"I loaned $25k to my brother and his girlfriend and they won't pay me back",

from the blog: Should You Ever Loan Money to Family?


"Is it ethical to have two remote full-time jobs at the same time?"


Support Our Sponsor:

Churchill Mortgage

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; John Delony answer your questions and discuss:</p><ul>
<li> "How do I pay for college for 9 kids?", </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/paying-for-college-how-much-is-enough?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Ways to Pay for College</a>
</li>
<li>from the store: <a href="https://www.ramseysolutions.com/store/education/homeschool-career-discovery?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Foundations in Career Discovery</a>
</li>
<li>Why your credit score is a bad indicator for true wealth,</li>
<li>"I loaned $25k to my brother and his girlfriend and they won't pay me back",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/should-you-ever-loan-money-to-family?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should You Ever Loan Money to Family?</a>
</li>
<li>"Is it ethical to have two remote full-time jobs at the same time?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul>
<li><a href="https://bit.ly/2JcfkGy">Churchill Mortgage</a></li>
<li><a href="https://www.neighborly.com/">Neighborly</a></li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3849354a-e39a-11ed-8044-b7a0c1dcb85a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6440897439.mp3?updated=1685133501" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Higher Pay Doesn't Always Require A Degree (Hour 1)</title>
      <description>Ken Coleman &amp; John Delony answer your questions and discuss:

 "Should I go to college for business if I already have a business?"

How you don't always need a degree to have a high-paying job,

from the blog: 25 High-Paying Jobs That Don't Require a 4 Year Degree


"We're expecting our 2nd kid and don't know how to get out of debt",

How you and your spouse can get on the same page about paying off debt,

from the blog: How To Talk To Your Spouse About Money


"My roommate is moving out and I don't think I can afford my house",

How to find another job in the technology field to increase your income,

from the blog: BethelTech.net/KenColeman



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 26 May 2023 20:04:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; John Delony answer your questions and discuss:

 "Should I go to college for business if I already have a business?"

How you don't always need a degree to have a high-paying job,

from the blog: 25 High-Paying Jobs That Don't Require a 4 Year Degree


"We're expecting our 2nd kid and don't know how to get out of debt",

How you and your spouse can get on the same page about paying off debt,

from the blog: How To Talk To Your Spouse About Money


"My roommate is moving out and I don't think I can afford my house",

How to find another job in the technology field to increase your income,

from the blog: BethelTech.net/KenColeman



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; John Delony answer your questions and discuss:</p><ul>
<li> "Should I go to college for business if I already have a business?"</li>
<li>How you don't always need a degree to have a high-paying job,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/high-paying-jobs-without-a-degree?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">25 High-Paying Jobs That Don't Require a 4 Year Degree</a>
</li>
<li>"We're expecting our 2nd kid and don't know how to get out of debt",</li>
<li>How you and your spouse can get on the same page about paying off debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/3-ways-to-get-spouse-on-board-financially?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Talk To Your Spouse About Money</a>
</li>
<li>"My roommate is moving out and I don't think I can afford my house",</li>
<li>How to find another job in the technology field to increase your income,</li>
<li>from the blog: <a href="https://betheltech.net/ken-coleman/?refcode=77656525?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">BethelTech.net/KenColeman</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb944f52-e385-11ed-84a7-776f1a1c48b2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9109462429.mp3?updated=1685131781" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Husband Is Acting Like a Selfish Five-Year-Old! (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "My husband spent $2k on golf clubs behind my back",

Dealing with a gambling addiction,

Budgeting for meals when traveling for work.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 May 2023 21:41:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "My husband spent $2k on golf clubs behind my back",

Dealing with a gambling addiction,

Budgeting for meals when traveling for work.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "My husband spent $2k on golf clubs behind my back",</li>
<li>Dealing with a gambling addiction,</li>
<li>Budgeting for meals when traveling for work.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7055882-e39b-11ed-9ae5-272f8353dac0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2100193237.mp3?updated=1685050695" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Pain Deferred Is Actually Pain Amplified (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "How can I help my foster son make better financial decisions?"

Why the pause on student loan repayments actually caused borrowers to go into even more debt,

the study: The Student-Loan Payment Pause Led Borrowers to Take on More Debt,

How to manage money well in retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 May 2023 20:46:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "How can I help my foster son make better financial decisions?"

Why the pause on student loan repayments actually caused borrowers to go into even more debt,

the study: The Student-Loan Payment Pause Led Borrowers to Take on More Debt,

How to manage money well in retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "How can I help my foster son make better financial decisions?"</li>
<li>Why the pause on student loan repayments actually caused borrowers to go into even more debt,</li>
<li class="ql-indent-1">the study: <a href="https://marginalrevolution.com/marginalrevolution/2023/05/the-student-loan-payment-pause-led-borrowers-to-take-on-more-debt.html">The Student-Loan Payment Pause Led Borrowers to Take on More Debt</a>,</li>
<li>How to manage money well in retirement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2491</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[382f5f6c-e39a-11ed-8044-afde188076bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9107089273.mp3?updated=1685047534" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Playing Footsie With the Brokerage Funds! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "My fiancée's father unfairly put a lien on her car",

Saving for retirement on an irregular income,

Pulling money from stocks to pay off the house,

from the blog: Should I Use My Investments to Pay Off Debt?


"How do I avoid feeling embarrassed when people judge me for living below my means?"

The best way to get out of debt,

"Should I use my emergency fund to pay off my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 May 2023 19:44:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

 "My fiancée's father unfairly put a lien on her car",

Saving for retirement on an irregular income,

Pulling money from stocks to pay off the house,

from the blog: Should I Use My Investments to Pay Off Debt?


"How do I avoid feeling embarrassed when people judge me for living below my means?"

The best way to get out of debt,

"Should I use my emergency fund to pay off my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> "My fiancée's father unfairly put a lien on her car",</li>
<li>Saving for retirement on an irregular income,</li>
<li>Pulling money from stocks to pay off the house,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>"How do I avoid feeling embarrassed when people judge me for living below my means?"</li>
<li>The best way to get out of debt,</li>
<li>"Should I use my emergency fund to pay off my house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb7cdf84-e385-11ed-84a7-f3a30fa82f95]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9903981820.mp3?updated=1685043631" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Not Scared Enough of Your Debt Yet (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "I'm doing the work of 2 people and feel like I deserve a raise..."

"Can I buy a car while paying off debt?"

"Should I change careers just to get a pension?"

Using savings to pay off debt,

Moving for a new job with a promotion.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 May 2023 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

 "I'm doing the work of 2 people and feel like I deserve a raise..."

"Can I buy a car while paying off debt?"

"Should I change careers just to get a pension?"

Using savings to pay off debt,

Moving for a new job with a promotion.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li> "I'm doing the work of 2 people and feel like I deserve a raise..."</li>
<li>"Can I buy a car while paying off debt?"</li>
<li>"Should I change careers just to get a pension?"</li>
<li>Using savings to pay off debt,</li>
<li>Moving for a new job with a promotion.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a6f05770-e39b-11ed-9ae5-a77f03611c17]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4323561953.mp3?updated=1684964137" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How AI Is Going To Change the Way We Work (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Should I study software engineering even with advancements in AI?"

"Where should I keep my emergency fund?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"How can I expand my business?"

"I used a personal loan to pay off my home",

"How do we pay for grad school without debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 May 2023 20:43:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Should I study software engineering even with advancements in AI?"

"Where should I keep my emergency fund?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"How can I expand my business?"

"I used a personal loan to pay off my home",

"How do we pay for grad school without debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Should I study software engineering even with advancements in AI?"</li>
<li>"Where should I keep my emergency fund?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
<li>"How can I expand my business?"</li>
<li>"I used a personal loan to pay off my home",</li>
<li>"How do we pay for grad school without debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[38150806-e39a-11ed-8044-178830db85dc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8472337897.mp3?updated=1684961028" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Running a Race With Ankle Weights On – Pay Off Your Debt! (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"My wife and I disagree about what to do with profits from a rental",

"I'm 16-year-old and will make $100k next year; how should I use it?"

"How should I use my bonus check?"

Selling the house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 May 2023 20:04:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"My wife and I disagree about what to do with profits from a rental",

"I'm 16-year-old and will make $100k next year; how should I use it?"

"How should I use my bonus check?"

Selling the house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"My wife and I disagree about what to do with profits from a rental",</li>
<li>"I'm 16-year-old and will make $100k next year; how should I use it?"</li>
<li>"How should I use my bonus check?"</li>
<li>Selling the house to pay off debt,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/should-you-sell-your-home-to-knock-out-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should You Sell Your Home to Knock Out Debt?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb657d08-e385-11ed-84a7-63f624732ac6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5498629747.mp3?updated=1684957997" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Can’t Seem to Make Ends Meet (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our house to make ends meet?"

Whether or not an adult child should pay for their own insurance,

"How much should I save before getting my Ph.D.?"

"We were given land as a gift, what do we do with it?"

"Does paying off a house prevent financial aid for college?"

Accounting for property tax increases in your budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 23 May 2023 21:45:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

 "Should we sell our house to make ends meet?"

Whether or not an adult child should pay for their own insurance,

"How much should I save before getting my Ph.D.?"

"We were given land as a gift, what do we do with it?"

"Does paying off a house prevent financial aid for college?"

Accounting for property tax increases in your budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li> "Should we sell our house to make ends meet?"</li>
<li>Whether or not an adult child should pay for their own insurance,</li>
<li>"How much should I save before getting my Ph.D.?"</li>
<li>"We were given land as a gift, what do we do with it?"</li>
<li>"Does paying off a house prevent financial aid for college?"</li>
<li>Accounting for property tax increases in your budget.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a6dcd5e2-e39b-11ed-9ae5-27003cd92c5e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5329020368.mp3?updated=1684878144" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are Dave’s 2023 Real Estate Prediction Coming True? (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"I'm $500k in debt after buying a farm",

How Dave was right about his 2023 real estate market predictions,

"What do I do with the proceeds from my house?"

Managing unexpected home repairs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 23 May 2023 21:09:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"I'm $500k in debt after buying a farm",

How Dave was right about his 2023 real estate market predictions,

"What do I do with the proceeds from my house?"

Managing unexpected home repairs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"I'm $500k in debt after buying a farm",</li>
<li>How Dave was right about his 2023 real estate market predictions,</li>
<li>"What do I do with the proceeds from my house?"</li>
<li>Managing unexpected home repairs.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2485</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37f93004-e39a-11ed-8044-83c83612ccf6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8341212912.mp3?updated=1684874372" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Do the Baby Steps Out of Order – They Work This Way! (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"How much should we save for a future home?" 

"What should we do with our tax return?"

from the blog: What Do I Do With My Tax Refund?


"Help me decide my business model for my food business",

Why you shouldn't pull from your 401(k) to pay off debt,

from the blog: Should I Use My Investments to Pay Off Debt?


Saving for a home down payment,

What to do with your savings,

Budgeting as a new college graduate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 23 May 2023 19:38:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"How much should we save for a future home?" 

"What should we do with our tax return?"

from the blog: What Do I Do With My Tax Refund?


"Help me decide my business model for my food business",

Why you shouldn't pull from your 401(k) to pay off debt,

from the blog: Should I Use My Investments to Pay Off Debt?


Saving for a home down payment,

What to do with your savings,

Budgeting as a new college graduate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"How much should we save for a future home?" </li>
<li>"What should we do with our tax return?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/taxes/what-do-i-do-with-my-tax-refund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Do I Do With My Tax Refund?</a>
</li>
<li>"Help me decide my business model for my food business",</li>
<li>Why you shouldn't pull from your 401(k) to pay off debt,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>Saving for a home down payment,</li>
<li>What to do with your savings,</li>
<li>Budgeting as a new college graduate.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb4e3fa8-e385-11ed-84a7-5fe60b62bb54]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9682956872.mp3?updated=1684870469" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Becoming a Millionaire Is Possible and Anyone Can Do It! (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel interview millionaires to find out how they did it!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 May 2023 21:41:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel interview millionaires to find out how they did it!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel interview millionaires to find out how they did it!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a6c7d8e0-e39b-11ed-9ae5-8f226b5f88f4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4349169303.mp3?updated=1684791284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave’s Feelings About Modern Day Tipping Culture (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"I'm bitter after my husband took out a HELOC",

Dave's thoughts on modern tipping culture,

"Should I pause paying off debt to pay for my son's school?"

How automating your savings and investing will help you win with money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 May 2023 20:46:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"I'm bitter after my husband took out a HELOC",

Dave's thoughts on modern tipping culture,

"Should I pause paying off debt to pay for my son's school?"

How automating your savings and investing will help you win with money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I'm bitter after my husband took out a HELOC",</li>
<li>Dave's thoughts on modern tipping culture,</li>
<li>"Should I pause paying off debt to pay for my son's school?"</li>
<li>How automating your savings and investing will help you win with money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37da21be-e39a-11ed-8044-ab0b4a2e4dc3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8915532549.mp3?updated=1684788073" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Jordan Peterson on the #1 Thing People Should Focus On (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Repairing a car vs. replacing it,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


Dr. Jordan Peterson on vision and why it's the #1 thing people should be focusing on right now,

"Should we have a birthday party for our kids while paying off debt?"

"Is rental property enough for retirement or should we also invest elsewhere?"

from the blog: How to Invest in Real Estate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 May 2023 19:48:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Repairing a car vs. replacing it,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


Dr. Jordan Peterson on vision and why it's the #1 thing people should be focusing on right now,

"Should we have a birthday party for our kids while paying off debt?"

"Is rental property enough for retirement or should we also invest elsewhere?"

from the blog: How to Invest in Real Estate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Repairing a car vs. replacing it,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/should-i-repair-or-replace-my-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is Your Car Worth Repairing? Or Should You Replace It?</a>
</li>
<li>Dr. Jordan Peterson on vision and why it's the #1 thing people should be focusing on right now,</li>
<li>"Should we have a birthday party for our kids while paying off debt?"</li>
<li>"Is rental property enough for retirement or should we also invest elsewhere?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2476</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb369416-e385-11ed-84a7-b79857bdb2c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2917679368.mp3?updated=1684784151" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Coming Up With Schemes To Get Your Way! (Hour 3)</title>
      <description>George Kamel &amp; John Delony answer your questions and discuss:


 "My wife doesn't trust me with our finances",

What having financial freedom can provide when things go wrong in life,

"I don't know what to do about my financial future",

"Should I take a pay cut for a more exciting job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 19 May 2023 21:32:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony answer your questions and discuss:


 "My wife doesn't trust me with our finances",

What having financial freedom can provide when things go wrong in life,

"I don't know what to do about my financial future",

"Should I take a pay cut for a more exciting job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony answer your questions and discuss:</p><p><br></p><ul>
<li> "My wife doesn't trust me with our finances",</li>
<li>What having financial freedom can provide when things go wrong in life,</li>
<li>"I don't know what to do about my financial future",</li>
<li>"Should I take a pay cut for a more exciting job?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a6b465a8-e39b-11ed-9ae5-53e550e937c2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3040774449.mp3?updated=1684532152" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m in Debt &amp; Reddit Told Me To Call The Ramsey Show... (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Help! I'm in debt and Reddit told me to call Dave Ramsey..."

What to do after you get out of debt,

"Should I invest in Pokémon cards?"

"How do we stay encouraged when we keep getting knocked back in the Baby Steps?"

Why you shouldn't do any additional investing outside of retirement until your house is paid off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 19 May 2023 20:38:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Help! I'm in debt and Reddit told me to call Dave Ramsey..."

What to do after you get out of debt,

"Should I invest in Pokémon cards?"

"How do we stay encouraged when we keep getting knocked back in the Baby Steps?"

Why you shouldn't do any additional investing outside of retirement until your house is paid off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Help! I'm in debt and Reddit told me to call Dave Ramsey..."</li>
<li>What to do after you get out of debt,</li>
<li>"Should I invest in Pokémon cards?"</li>
<li>"How do we stay encouraged when we keep getting knocked back in the Baby Steps?"</li>
<li>Why you shouldn't do any additional investing outside of retirement until your house is paid off.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37c11516-e39a-11ed-8044-c7ce97f162a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8478678537.mp3?updated=1684528410" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Overspent on a Car Behind My Wife’s Back (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I quit my high paying job that requires travel?"

Making fun of finance guru influencers,

"I spent way too much on your car..."

"How do I talk to my wife about taking another job",

"What should I do with a work bonus?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 19 May 2023 19:41:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I quit my high paying job that requires travel?"

Making fun of finance guru influencers,

"I spent way too much on your car..."

"How do I talk to my wife about taking another job",

"What should I do with a work bonus?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I quit my high paying job that requires travel?"</li>
<li>Making fun of finance guru influencers,</li>
<li>"I spent way too much on your car..."</li>
<li>"How do I talk to my wife about taking another job",</li>
<li>"What should I do with a work bonus?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb1f3cda-e385-11ed-84a7-9f9ce07bcb7f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1724709822.mp3?updated=1684525124" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why You Should Avoid the “Gold Bros” (Hour 3)</title>
      <description>George Kamel answers your questions and discusses:

"Does everyone need life insurance?"

What to do after selling a business,

Why you should stay away from the "gold bros",

Selling a house to by a RV,

Going back to school while paying off a mountain of debt


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 May 2023 21:40:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel answers your questions and discusses:

"Does everyone need life insurance?"

What to do after selling a business,

Why you should stay away from the "gold bros",

Selling a house to by a RV,

Going back to school while paying off a mountain of debt


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel answers your questions and discusses:</p><ul>
<li>"Does everyone need life insurance?"</li>
<li>What to do after selling a business,</li>
<li>Why you should stay away from the "gold bros",</li>
<li>Selling a house to by a RV,</li>
<li>Going back to school while paying off a mountain of debt</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a69f1720-e39b-11ed-9ae5-8b7b3b1328c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5707759376.mp3?updated=1684445964" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Caught in the Cycle of Debt With $140 to My Name (Hour 2)</title>
      <description>George Kamel answers your questions and discusses:

Getting out of the credit card trap,

"Should I pay off all my debt before buying a house?"

"What's the best way to save money online?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"What's the best way to give my sister money?" 

"Should I pay off personal debt with business earnings?

Selling the car vs. keeping it.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 May 2023 20:42:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel answers your questions and discusses:

Getting out of the credit card trap,

"Should I pay off all my debt before buying a house?"

"What's the best way to save money online?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"What's the best way to give my sister money?" 

"Should I pay off personal debt with business earnings?

Selling the car vs. keeping it.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel answers your questions and discusses:</p><ul>
<li>Getting out of the credit card trap,</li>
<li>"Should I pay off all my debt before buying a house?"</li>
<li>"What's the best way to save money online?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
<li>"What's the best way to give my sister money?" </li>
<li>"Should I pay off personal debt with business earnings?</li>
<li>Selling the car vs. keeping it.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37a7d894-e39a-11ed-8044-333156f7b096]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1677901501.mp3?updated=1684442445" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Best Side Hustles To Make Extra Cash Right Now (Hour 1)</title>
      <description>George Kamel answers your questions and discusses:

"How do I prepare to move out on my own?"

Pausing Baby Step 2 during lower income periods,

Financially preparing for marriage,

The best side hustles to make extra money right now

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Is it worth taking a job with a long commute?"

"How do I pay my debts that are in collections?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 May 2023 19:43:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel answers your questions and discusses:

"How do I prepare to move out on my own?"

Pausing Baby Step 2 during lower income periods,

Financially preparing for marriage,

The best side hustles to make extra money right now

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Is it worth taking a job with a long commute?"

"How do I pay my debts that are in collections?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel answers your questions and discusses:</p><ul>
<li>"How do I prepare to move out on my own?"</li>
<li>Pausing Baby Step 2 during lower income periods,</li>
<li>Financially preparing for marriage,</li>
<li>The best side hustles to make extra money right now</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Cash</a>,</li>
<li>"Is it worth taking a job with a long commute?"</li>
<li>"How do I pay my debts that are in collections?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb085bd2-e385-11ed-84a7-0b1ca5fc7b77]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5025261404.mp3?updated=1684438852" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pulling Out Your Retirement for a Home Reno Is DUMB! (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Should I go to law school and if so how should I pay for it?"

How much buffer to keep in your checking account,

"Can we pull from retirement for home renovations?"

"My wife is opposed to budgeting... how do I address this?"

"We're expecting quintuplets! How do we prepare?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 May 2023 21:38:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Should I go to law school and if so how should I pay for it?"

How much buffer to keep in your checking account,

"Can we pull from retirement for home renovations?"

"My wife is opposed to budgeting... how do I address this?"

"We're expecting quintuplets! How do we prepare?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should I go to law school and if so how should I pay for it?"</li>
<li>How much buffer to keep in your checking account,</li>
<li>"Can we pull from retirement for home renovations?"</li>
<li>"My wife is opposed to budgeting... how do I address this?"</li>
<li>"We're expecting quintuplets! How do we prepare?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2480</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a68b9812-e39b-11ed-9ae5-57e66ae194fd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9103307330.mp3?updated=1684359514" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>QUIT Making Yourself a Victim of Inflation Using Debt! (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Should we buy a bigger house or use a HELOC to add on?"

"What should I do with an old 401(k)?"

from the blog: 401(k) Rollovers: Everything You Need to Know,

"Pausing investing to cash flow a new HVAC?"

Should we pay someone to manage our investments?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 May 2023 20:50:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Should we buy a bigger house or use a HELOC to add on?"

"What should I do with an old 401(k)?"

from the blog: 401(k) Rollovers: Everything You Need to Know,

"Pausing investing to cash flow a new HVAC?"

Should we pay someone to manage our investments?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Should we buy a bigger house or use a HELOC to add on?"</li>
<li>"What should I do with an old 401(k)?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-rollover-401k-or-ira?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">401(k) Rollovers: Everything You Need to Know</a>,</li>
<li>"Pausing investing to cash flow a new HVAC?"</li>
<li>Should we pay someone to manage our investments?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2490</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[378ca86c-e39a-11ed-8044-bfefddad6522]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8905894959.mp3?updated=1684356177" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Start Investing Well? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

How do I start investing my money well?

Paying for grad school,

Employee stock purchase plans,

Should I build back my credit after filing bankruptcy?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 May 2023 19:41:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

How do I start investing my money well?

Paying for grad school,

Employee stock purchase plans,

Should I build back my credit after filing bankruptcy?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>How do I start investing my money well?</li>
<li>Paying for grad school,</li>
<li>Employee stock purchase plans,</li>
<li>Should I build back my credit after filing bankruptcy?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2478</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[caefc568-e385-11ed-84a7-9f7a9c703a8b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1060869915.mp3?updated=1684352302" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are CDs a Good Investment in This Market? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Can I afford to be a stay-at-home mom?" 

Teaching a 16yo about handling their money,

"My brother is whispering in my ear about investing in CDs",

The debt snowball vs. debt avalanche methods,

"We feel unsafe in the house we just bought. Should we move?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 16 May 2023 21:54:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Can I afford to be a stay-at-home mom?" 

Teaching a 16yo about handling their money,

"My brother is whispering in my ear about investing in CDs",

The debt snowball vs. debt avalanche methods,

"We feel unsafe in the house we just bought. Should we move?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Can I afford to be a stay-at-home mom?" </li>
<li>Teaching a 16yo about handling their money,</li>
<li>"My brother is whispering in my ear about investing in CDs",</li>
<li>The debt snowball vs. debt avalanche methods,</li>
<li>"We feel unsafe in the house we just bought. Should we move?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2539</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a67884b6-e39b-11ed-9ae5-939a085aa702]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7379185964.mp3?updated=1684273826" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How the Debt Ceiling Affects Your Money (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Why it's hard to pay off debt if you don't combine finances in marriage,

How the debt ceiling debacle affects you,

What to do with an insurance payout from a wife's passing,

"Should I help my girlfriend with her expenses?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 16 May 2023 20:41:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Why it's hard to pay off debt if you don't combine finances in marriage,

How the debt ceiling debacle affects you,

What to do with an insurance payout from a wife's passing,

"Should I help my girlfriend with her expenses?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Why it's hard to pay off debt if you don't combine finances in marriage,</li>
<li>How the debt ceiling debacle affects you,</li>
<li>What to do with an insurance payout from a wife's passing,</li>
<li>"Should I help my girlfriend with her expenses?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2530</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[376a190a-e39a-11ed-8044-db9834668f39]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3317205566.mp3?updated=1684269700" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Handling Messy Money Situations (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"We called off our engagement. How do I handle the bills?" 

Working the Baby Steps after getting laid off,

from the blog: What to Do if You’re Laid Off,

"What should my fiancé and I do with our homes when we get married?"

Pausing investing while saving or a house,

How long to stay at a company with bad leadership.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 16 May 2023 19:45:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"We called off our engagement. How do I handle the bills?" 

Working the Baby Steps after getting laid off,

from the blog: What to Do if You’re Laid Off,

"What should my fiancé and I do with our homes when we get married?"

Pausing investing while saving or a house,

How long to stay at a company with bad leadership.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"We called off our engagement. How do I handle the bills?" </li>
<li>Working the Baby Steps after getting laid off,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-to-do-if-you-get-laid-off?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do if You’re Laid Off</a>,</li>
<li>"What should my fiancé and I do with our homes when we get married?"</li>
<li>Pausing investing while saving or a house,</li>
<li>How long to stay at a company with bad leadership.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cad88b46-e385-11ed-84a7-cf6e5f980d60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1850542049.mp3?updated=1684266002" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Sell Property We Bought With a HELOC? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Updating your home and investing,

"Should we sell property we bought with a HELOC?"

"When should I tell my boss I'm moving?

"Wait until I retire to pay off my house?"

Does an employer match count for my 15%?

"I'm about to inherit $1 million..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 15 May 2023 21:41:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Updating your home and investing,

"Should we sell property we bought with a HELOC?"

"When should I tell my boss I'm moving?

"Wait until I retire to pay off my house?"

Does an employer match count for my 15%?

"I'm about to inherit $1 million..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Updating your home and investing,</li>
<li>"Should we sell property we bought with a HELOC?"</li>
<li>"When should I tell my boss I'm moving?</li>
<li>"Wait until I retire to pay off my house?"</li>
<li>Does an employer match count for my 15%?</li>
<li>"I'm about to inherit $1 million..."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a663bbf8-e39b-11ed-9ae5-77a4f4a1dfd1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2085997642.mp3?updated=1684186880" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy an Investment Property Right Now? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we buy an investment property before our own home?"

"I feel guilty spending money on fun things"

"How much should we throw at our mortgage?"

Helping parents with their finances.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 15 May 2023 20:49:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we buy an investment property before our own home?"

"I feel guilty spending money on fun things"

"How much should we throw at our mortgage?"

Helping parents with their finances.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should we buy an investment property before our own home?"</li>
<li>"I feel guilty spending money on fun things"</li>
<li>"How much should we throw at our mortgage?"</li>
<li>Helping parents with their finances.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[374faf48-e39a-11ed-8044-6ba7c59075d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7104467540.mp3?updated=1684183052" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Plans Sucks… I Don’t Want To Be Insulted by Your Abject Failure (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I be a stay-at-home mom with $240k of debt?"

Why you shouldn't take your time getting out of debt,

Making it as a single mom after a divorce,

"Can we afford to buy a new car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 15 May 2023 20:22:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I be a stay-at-home mom with $240k of debt?"

Why you shouldn't take your time getting out of debt,

Making it as a single mom after a divorce,

"Can we afford to buy a new car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Can I be a stay-at-home mom with $240k of debt?"</li>
<li>Why you shouldn't take your time getting out of debt,</li>
<li>Making it as a single mom after a divorce,</li>
<li>"Can we afford to buy a new car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cac11ef2-e385-11ed-84a7-6b7e0d8dc4f8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3045535209.mp3?updated=1684181514" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>A Crappy Situation Involving a Septic System &amp; a HELOC (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I feel resentful of my husband",

"Should I get a HELOC for a new septic system?"

"My mom is asking me for money even if I have to go into debt",

"What should I do with my crypto investments?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 12 May 2023 21:43:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I feel resentful of my husband",

"Should I get a HELOC for a new septic system?"

"My mom is asking me for money even if I have to go into debt",

"What should I do with my crypto investments?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I feel resentful of my husband",</li>
<li>"Should I get a HELOC for a new septic system?"</li>
<li>"My mom is asking me for money even if I have to go into debt",</li>
<li>"What should I do with my crypto investments?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a64f66bc-e39b-11ed-9ae5-dffc4270561e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6395255928.mp3?updated=1683927887" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When It Comes to Building Wealth, Be the Tortoise, Not the Hare (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"We're out of work and our creditors won't work with us"

"What's the best way to build a new home?"

"Should I put 40k into my house?"

"Can I turn $100k into $1m?"

"Should I rent my house out or sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 12 May 2023 20:54:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"We're out of work and our creditors won't work with us"

"What's the best way to build a new home?"

"Should I put 40k into my house?"

"Can I turn $100k into $1m?"

"Should I rent my house out or sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"We're out of work and our creditors won't work with us"</li>
<li>"What's the best way to build a new home?"</li>
<li>"Should I put 40k into my house?"</li>
<li>"Can I turn $100k into $1m?"</li>
<li>"Should I rent my house out or sell it?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3734cc00-e39a-11ed-8044-43eea7816016]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7635111074.mp3?updated=1683924297" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’ve Had Enough of My Debt and I’m Ready for a Change! (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I'm in debt and just lost my job",

"My house is a money pit; what can I do?"

"Should I accept student loan forgiveness?"

Using a HELOC,

"I'm 59 years old and have no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 12 May 2023 20:02:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I'm in debt and just lost my job",

"My house is a money pit; what can I do?"

"Should I accept student loan forgiveness?"

Using a HELOC,

"I'm 59 years old and have no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I'm in debt and just lost my job",</li>
<li>"My house is a money pit; what can I do?"</li>
<li>"Should I accept student loan forgiveness?"</li>
<li>Using a HELOC,</li>
<li>"I'm 59 years old and have no retirement"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[caaa3e1c-e385-11ed-84a7-2f593697a533]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1944157924.mp3?updated=1683920111" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Employer Requires That I Use Credit Cards (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"My employer requires that I use credit cards",

"Sell a paid off vehicle to pay off another vehicle?"

Living paycheck-to-paycheck vs. having a zero-based budget,

from the blog: How to Create a Zero-Based Budget,

" I'm having to pause my investing, what do I do?"

"Fiancee and I are $180k in debt" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 May 2023 21:45:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"My employer requires that I use credit cards",

"Sell a paid off vehicle to pay off another vehicle?"

Living paycheck-to-paycheck vs. having a zero-based budget,

from the blog: How to Create a Zero-Based Budget,

" I'm having to pause my investing, what do I do?"

"Fiancee and I are $180k in debt" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"My employer requires that I use credit cards",</li>
<li>"Sell a paid off vehicle to pay off another vehicle?"</li>
<li>Living paycheck-to-paycheck vs. having a zero-based budget,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-make-a-zero-based-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Create a Zero-Based Budget</a>,</li>
<li>" I'm having to pause my investing, what do I do?"</li>
<li>"Fiancee and I are $180k in debt" </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a63b134c-e39b-11ed-9ae5-63e038932cff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2049241885.mp3?updated=1683841608" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Paying Off Your House Is a Great Forced Savings Plan (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should we still pay off our house if we're planning to move?"

from the blog: How to Pay Off Your Mortgage Early,

"How do I get my wife on board with the Baby Steps?"

How sports betting is the new oxycontin,

"Should I start an e-commerce business to get out of debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 May 2023 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should we still pay off our house if we're planning to move?"

from the blog: How to Pay Off Your Mortgage Early,

"How do I get my wife on board with the Baby Steps?"

How sports betting is the new oxycontin,

"Should I start an e-commerce business to get out of debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should we still pay off our house if we're planning to move?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>"How do I get my wife on board with the Baby Steps?"</li>
<li>How sports betting is the new oxycontin,</li>
<li>"Should I start an e-commerce business to get out of debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[371a8caa-e39a-11ed-8044-5febdf657981]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5985453729.mp3?updated=1683837348" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are Tipping Screens Emotional Blackmail? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I move back in with my parents to go to school?"

Tipping screens on self-checkout machines,

"How can I earn passive income while pursuing a career in the arts?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 May 2023 19:38:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I move back in with my parents to go to school?"

Tipping screens on self-checkout machines,

"How can I earn passive income while pursuing a career in the arts?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I move back in with my parents to go to school?"</li>
<li>Tipping screens on self-checkout machines,</li>
<li>"How can I earn passive income while pursuing a career in the arts?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca92fc70-e385-11ed-84a7-27699d16dcaa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8077095225.mp3?updated=1683833750" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Change Your Relative’s Mind (He’s a Professional Doob) (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I buy into my company?"

Dealing with a relative who is aggressively pro-debt,

"I'm scared to invest in the stock market",

How much to spend buying a house in cash.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 10 May 2023 21:42:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I buy into my company?"

Dealing with a relative who is aggressively pro-debt,

"I'm scared to invest in the stock market",

How much to spend buying a house in cash.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I buy into my company?"</li>
<li>Dealing with a relative who is aggressively pro-debt,</li>
<li>"I'm scared to invest in the stock market",</li>
<li>How much to spend buying a house in cash.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a62686ca-e39b-11ed-9ae5-5711e0a2ec59]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4407018476.mp3?updated=1683754832" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Father-in-Law Keeps Asking Us for Money (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Teaching kids to manage money well,

"Should I pay off my house early even if I have a low interest rate?"

"My father-in-law keeps asking to borrow money"

"My ex-wife doesn't want to sell the house"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 10 May 2023 20:48:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Teaching kids to manage money well,

"Should I pay off my house early even if I have a low interest rate?"

"My father-in-law keeps asking to borrow money"

"My ex-wife doesn't want to sell the house"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Teaching kids to manage money well,</li>
<li>"Should I pay off my house early even if I have a low interest rate?"</li>
<li>"My father-in-law keeps asking to borrow money"</li>
<li>"My ex-wife doesn't want to sell the house"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37013fd4-e39a-11ed-8044-cb2de68e179d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4820638103.mp3?updated=1683751343" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here Are the Facts About the Bank Failures (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I move to be closer to my son?" 

Here are the facts about the bank failures and why fear is contagious,

"My husband and I disagree on buying a new car",

How to handle debt in collections,

from the blog: How to Deal With Debt Collectors When You Can’t Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 10 May 2023 19:43:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I move to be closer to my son?" 

Here are the facts about the bank failures and why fear is contagious,

"My husband and I disagree on buying a new car",

How to handle debt in collections,

from the blog: How to Deal With Debt Collectors When You Can’t Pay



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I move to be closer to my son?" </li>
<li>Here are the facts about the bank failures and why fear is contagious,</li>
<li>"My husband and I disagree on buying a new car",</li>
<li>How to handle debt in collections,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-deal-with-debt-collectors?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Deal With Debt Collectors When You Can’t Pay</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca7bacfa-e385-11ed-84a7-6f9c2276b4f6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7180663615.mp3?updated=1683747515" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Navigating Money and Family (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should my brother take over dad's finances?"

A high school senior who breaks U.S. record with 125 college offers, $9 million in scholarships,

from the blog: Break the Chains of Student Loans,

"I'm scared of buying a house..."

"Should I pay off student loans or put money in a high-yield savings account?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 09 May 2023 21:40:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should my brother take over dad's finances?"

A high school senior who breaks U.S. record with 125 college offers, $9 million in scholarships,

from the blog: Break the Chains of Student Loans,

"I'm scared of buying a house..."

"Should I pay off student loans or put money in a high-yield savings account?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should my brother take over dad's finances?"</li>
<li>A high school senior who breaks U.S. record with 125 college offers, $9 million in scholarships,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/shows/borrowed-future-documentary/students/?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Break the Chains of Student Loans</a>,</li>
<li>"I'm scared of buying a house..."</li>
<li>"Should I pay off student loans or put money in a high-yield savings account?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a611d342-e39b-11ed-9ae5-273d6980ba21]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3796250198.mp3?updated=1683668307" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Does It Make Sense To Refinance Your Mortgage? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Helping an adult child with emergency medical bills,

Knowing when it makes sense to refinance a mortgage,

from the blog: Should I Refinance My Mortgage?


Trying to sell a camper to family,

"Should I buy a new car of pay off my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 09 May 2023 20:42:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Helping an adult child with emergency medical bills,

Knowing when it makes sense to refinance a mortgage,

from the blog: Should I Refinance My Mortgage?


Trying to sell a camper to family,

"Should I buy a new car of pay off my house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Helping an adult child with emergency medical bills,</li>
<li>Knowing when it makes sense to refinance a mortgage,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/is-a-mortgage-refinance-right-for-you?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Refinance My Mortgage?</a>
</li>
<li>Trying to sell a camper to family,</li>
<li>"Should I buy a new car of pay off my house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36e59b3a-e39a-11ed-8044-9beb289a0dd5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9237780104.mp3?updated=1683664852" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can We Afford an Investment Property? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"We're $900k in debt",

"When can we afford to buy a third rental?"

from the blog: How to Invest in Real Estate,

"Should I invest in my employer's 401(k) or a Roth IRA?"

from the blog: How to Plan for Retirement,

"I'm 10k upside down on my car",

"Should I sell my condo to save for a house?"

"Take out a loan to get by for the next two years?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 09 May 2023 19:45:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"We're $900k in debt",

"When can we afford to buy a third rental?"

from the blog: How to Invest in Real Estate,

"Should I invest in my employer's 401(k) or a Roth IRA?"

from the blog: How to Plan for Retirement,

"I'm 10k upside down on my car",

"Should I sell my condo to save for a house?"

"Take out a loan to get by for the next two years?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"We're $900k in debt",</li>
<li>"When can we afford to buy a third rental?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>,</li>
<li>"Should I invest in my employer's 401(k) or a Roth IRA?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-create-your-retirement-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Plan for Retirement</a>,</li>
<li>"I'm 10k upside down on my car",</li>
<li>"Should I sell my condo to save for a house?"</li>
<li>"Take out a loan to get by for the next two years?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca63ed86-e385-11ed-84a7-6b56d900ddcc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3005651530.mp3?updated=1683661725" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Make Six-Figures but Live Paycheck-to-Paycheck (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"I make six figures and live paycheck-to-paycheck",

"Should we take higher-paying jobs we enjoy less to pay for our kids' school?"

Moving to be closer to a job,

"I enjoy my job but have an offer that pays more"

Buying a car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 May 2023 21:39:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"I make six figures and live paycheck-to-paycheck",

"Should we take higher-paying jobs we enjoy less to pay for our kids' school?"

Moving to be closer to a job,

"I enjoy my job but have an offer that pays more"

Buying a car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I make six figures and live paycheck-to-paycheck",</li>
<li>"Should we take higher-paying jobs we enjoy less to pay for our kids' school?"</li>
<li>Moving to be closer to a job,</li>
<li>"I enjoy my job but have an offer that pays more"</li>
<li>Buying a car.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2482</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5fc0d46-e39b-11ed-9ae5-17581b2463aa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3009401714.mp3?updated=1683581935" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Budget on Irregular Income (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Can I use a HELOC as my primary mortgage?" 

How to budget commission checks,

from the blog: How to Budget With an Irregular Income,

"I'm 59 years-old with $258k in student loans",

"Should I pay off the house if I'm about to get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 May 2023 20:39:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Can I use a HELOC as my primary mortgage?" 

How to budget commission checks,

from the blog: How to Budget With an Irregular Income,

"I'm 59 years-old with $258k in student loans",

"Should I pay off the house if I'm about to get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Can I use a HELOC as my primary mortgage?" </li>
<li>How to budget commission checks,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Budget With an Irregular Income</a>,</li>
<li>"I'm 59 years-old with $258k in student loans",</li>
<li>"Should I pay off the house if I'm about to get married?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36cad03e-e39a-11ed-8044-130e7042ad40]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6966949634.mp3?updated=1683578204" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What the Fed Raising Rates Means for Your Money (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Saving for a house during the Baby Steps,

from the blog: How to Save for a House,

Going on a family trip while paying off debt,

How the Fed raising interest rates affects your money,

"Is it fair for me to ask my wife to help pay off my debts with me?"

Dealing with a convoluted estate from a deceased relative,

"Should I invest in mutual funds or real estate?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 May 2023 20:08:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Saving for a house during the Baby Steps,

from the blog: How to Save for a House,

Going on a family trip while paying off debt,

How the Fed raising interest rates affects your money,

"Is it fair for me to ask my wife to help pay off my debts with me?"

Dealing with a convoluted estate from a deceased relative,

"Should I invest in mutual funds or real estate?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Saving for a house during the Baby Steps,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-save-money-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save for a House</a>,</li>
<li>Going on a family trip while paying off debt,</li>
<li>How the Fed raising interest rates affects your money,</li>
<li>"Is it fair for me to ask my wife to help pay off my debts with me?"</li>
<li>Dealing with a convoluted estate from a deceased relative,</li>
<li>"Should I invest in mutual funds or real estate?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca4c5446-e385-11ed-84a7-a3a70bfaca4e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7971769113.mp3?updated=1683575642" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Get Started Investing and Building Wealth? (Hour 3)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"Should I increase my emergency fund for inflation and potential layoffs?"

"How do I start investing at a young age?"

"I'm $200k in consumer debt. Should I declare bankruptcy?"

"Put my TSP in a Roth or traditional account?"

"Should we use some of our emergency fund for investing?"

"My mom gifted me my sister's car but still wants me to make payments..." 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 05 May 2023 21:32:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"Should I increase my emergency fund for inflation and potential layoffs?"

"How do I start investing at a young age?"

"I'm $200k in consumer debt. Should I declare bankruptcy?"

"Put my TSP in a Roth or traditional account?"

"Should we use some of our emergency fund for investing?"

"My mom gifted me my sister's car but still wants me to make payments..." 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>"Should I increase my emergency fund for inflation and potential layoffs?"</li>
<li>"How do I start investing at a young age?"</li>
<li>"I'm $200k in consumer debt. Should I declare bankruptcy?"</li>
<li>"Put my TSP in a Roth or traditional account?"</li>
<li>"Should we use some of our emergency fund for investing?"</li>
<li>"My mom gifted me my sister's car but still wants me to make payments..." </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5e6d584-e39b-11ed-9ae5-7749a5de403d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9318676093.mp3?updated=1683322465" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Home Ownership Will Make You Wealthy (When You’re Ready) (Hour 2)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"What should I do with inherited homes?"

Why home ownership will make you wealthy (when you're ready),

"Where should I put extra savings?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"Should I pause retirement to refill the emergency fund?"

Buying a fixer-upper vs. move-in-ready home. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 05 May 2023 20:55:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"What should I do with inherited homes?"

Why home ownership will make you wealthy (when you're ready),

"Where should I put extra savings?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"Should I pause retirement to refill the emergency fund?"

Buying a fixer-upper vs. move-in-ready home. 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>"What should I do with inherited homes?"</li>
<li>Why home ownership will make you wealthy (when you're ready),</li>
<li>"Where should I put extra savings?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
<li>"Should I pause retirement to refill the emergency fund?"</li>
<li>Buying a fixer-upper vs. move-in-ready home. </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36b0b848-e39a-11ed-8044-67e451a64e53]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2285106175.mp3?updated=1683320156" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Sell Our House and Live in a Camper? (Hour 1)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"I feel guilty about my line of work; should I look for another job?"

"Should we sell our house and live in a camper?" 

Selling a rental property to pay off the house,

"Pay off student loans or invest with my savings?"

"Can I use a virtual debit card to pay off a bill in collections?"

"Should we build a house now or save up more?"


Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 05 May 2023 19:36:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:
 

"I feel guilty about my line of work; should I look for another job?"

"Should we sell our house and live in a camper?" 

Selling a rental property to pay off the house,

"Pay off student loans or invest with my savings?"

"Can I use a virtual debit card to pay off a bill in collections?"

"Should we build a house now or save up more?"


Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>"I feel guilty about my line of work; should I look for another job?"</li>
<li>"Should we sell our house and live in a camper?" </li>
<li>Selling a rental property to pay off the house,</li>
<li>"Pay off student loans or invest with my savings?"</li>
<li>"Can I use a virtual debit card to pay off a bill in collections?"</li>
<li>"Should we build a house now or save up more?"</li>
</ul><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca39120a-e385-11ed-84a7-0fb9254ec5c8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9704611374.mp3?updated=1683317788" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is an ADD Plan… You Need To Focus! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I go directly into business or get a degree first?"

Why you need to slow down and focus when starting a business,

"We're living in a camper with 2 kids and a dog..."

"My investments are shrinking, what can I do?"

"Taking out a personal loan to fix the car"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 04 May 2023 21:36:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I go directly into business or get a degree first?"

Why you need to slow down and focus when starting a business,

"We're living in a camper with 2 kids and a dog..."

"My investments are shrinking, what can I do?"

"Taking out a personal loan to fix the car"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I go directly into business or get a degree first?"</li>
<li>Why you need to slow down and focus when starting a business,</li>
<li>"We're living in a camper with 2 kids and a dog..."</li>
<li>"My investments are shrinking, what can I do?"</li>
<li>"Taking out a personal loan to fix the car"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5d12cca-e39b-11ed-9ae5-a7dc1f743367]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3893789704.mp3?updated=1683236187" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Going To Lose Your House Over a Steak You Put On Credit?! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"How do I set myself up for success?"

Stay away from the new Aven credit card (aka HELOC),

"Is this real estate deal too good to be true?"

Where to save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 04 May 2023 20:40:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"How do I set myself up for success?"

Stay away from the new Aven credit card (aka HELOC),

"Is this real estate deal too good to be true?"

Where to save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"How do I set myself up for success?"</li>
<li>Stay away from the new Aven credit card (aka HELOC),</li>
<li>"Is this real estate deal too good to be true?"</li>
<li>Where to save for college.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2485</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3695a422-e39a-11ed-8044-7ba509621add]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2359854678.mp3?updated=1683232540" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Guilty Spending Money Even Though We’re Debt-Free (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I take a partial lump sum when I retire?"

"I'm debt free but feel guilty spending money",

Student loan repayments resuming soon,

The best options to grow wealth.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 04 May 2023 19:46:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I take a partial lump sum when I retire?"

"I'm debt free but feel guilty spending money",

Student loan repayments resuming soon,

The best options to grow wealth.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I take a partial lump sum when I retire?"</li>
<li>"I'm debt free but feel guilty spending money",</li>
<li>Student loan repayments resuming soon,</li>
<li>The best options to grow wealth.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca24bf9e-e385-11ed-84a7-03f9368a98ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3413728485.mp3?updated=1683229166" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Not a Dream Car if You Have To Go Into Debt for It (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Is a 529 always the best option?"

"Should I go into debt to buy a car?"

"How can we catch up on investing?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 03 May 2023 21:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Is a 529 always the best option?"

"Should I go into debt to buy a car?"

"How can we catch up on investing?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Is a 529 always the best option?"</li>
<li>"Should I go into debt to buy a car?"</li>
<li>"How can we catch up on investing?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5bd0fc4-e39b-11ed-9ae5-b30f7c0d2a7f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2185313414.mp3?updated=1683149728" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing To Be Able To Retire Early (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show!"

"How should I invest if I want to retire early?"

"Where does my HUD loan fit in the Baby Steps?"

"What are my next steps after my wife died?"

"What should I do with $125K in the bank?"

"Is our rental holding us back?"

"Which retirement option is best for me?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 03 May 2023 20:51:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show!"

"How should I invest if I want to retire early?"

"Where does my HUD loan fit in the Baby Steps?"

"What are my next steps after my wife died?"

"What should I do with $125K in the bank?"

"Is our rental holding us back?"

"Which retirement option is best for me?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I lost my dream car on a game show!"</li>
<li>"How should I invest if I want to retire early?"</li>
<li>"Where does my HUD loan fit in the Baby Steps?"</li>
<li>"What are my next steps after my wife died?"</li>
<li>"What should I do with $125K in the bank?"</li>
<li>"Is our rental holding us back?"</li>
<li>"Which retirement option is best for me?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[367d02a0-e39a-11ed-8044-13c3869af1c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7102810657.mp3?updated=1683147056" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Tips for First-Time Home Buyers (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"What should I do with $100k in savings?"

Tips for first-time home buyers,

"Do I make enough working at a non-profit?"

Doing an interest-rate buy-down,

"How much of our inheritance do I owe my sister?"

"Should we use our house as a rental when we move?"

"Our homeowner's insurance went up $4k! "


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 03 May 2023 20:21:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"What should I do with $100k in savings?"

Tips for first-time home buyers,

"Do I make enough working at a non-profit?"

Doing an interest-rate buy-down,

"How much of our inheritance do I owe my sister?"

"Should we use our house as a rental when we move?"

"Our homeowner's insurance went up $4k! "


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"What should I do with $100k in savings?"</li>
<li>Tips for first-time home buyers,</li>
<li>"Do I make enough working at a non-profit?"</li>
<li>Doing an interest-rate buy-down,</li>
<li>"How much of our inheritance do I owe my sister?"</li>
<li>"Should we use our house as a rental when we move?"</li>
<li>"Our homeowner's insurance went up $4k! "</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca107b9c-e385-11ed-84a7-6f2a9013180a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7902872061.mp3?updated=1683144715" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What if My Loans Have 0% Interest? (Hour 3)</title>
      <description>Rachel Cruze answers your questions and discusses:

"Should we buy land before or after leaving the military?"

Paying extra on the house vs. saving for a new house,

from the blog: How to Pay Off Your Mortgage Early,

Travel spending: what conveniences are worth it?

from the blog: Travel Hacks That Will Save You Money,

"How do I pay off credit cards I haven't paid on in years?"

"Pay off small loans first even if they have 0% interest?"

"Should we put our whole budget on autopay?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 02 May 2023 21:40:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze answers your questions and discusses:

"Should we buy land before or after leaving the military?"

Paying extra on the house vs. saving for a new house,

from the blog: How to Pay Off Your Mortgage Early,

Travel spending: what conveniences are worth it?

from the blog: Travel Hacks That Will Save You Money,

"How do I pay off credit cards I haven't paid on in years?"

"Pay off small loans first even if they have 0% interest?"

"Should we put our whole budget on autopay?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze answers your questions and discusses:</p><ul>
<li>"Should we buy land before or after leaving the military?"</li>
<li>Paying extra on the house vs. saving for a new house,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>Travel spending: what conveniences are worth it?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/travel-hacks?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Travel Hacks That Will Save You Money</a>,</li>
<li>"How do I pay off credit cards I haven't paid on in years?"</li>
<li>"Pay off small loans first even if they have 0% interest?"</li>
<li>"Should we put our whole budget on autopay?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5a7f526-e39b-11ed-9ae5-5b5440b56d55]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9665710899.mp3?updated=1683063544" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Real Estate Investing Is Hard Work, Not “Passive Income” (Hour 2)</title>
      <description>Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss:

How real estate investing is awesome but it's not "passive" income,

from the blog: How to Invest in Real Estate,

"Are quadplexes a good investment?"

"I have $250k to invest; should I buy real estate or other investments?"

The riskiness of multi-family investment groups,

"How do I best invest the profits of a house sale?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 02 May 2023 20:44:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss:

How real estate investing is awesome but it's not "passive" income,

from the blog: How to Invest in Real Estate,

"Are quadplexes a good investment?"

"I have $250k to invest; should I buy real estate or other investments?"

The riskiness of multi-family investment groups,

"How do I best invest the profits of a house sale?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss:</p><ul>
<li>How real estate investing is awesome but it's not "passive" income,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-invest-in-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Invest in Real Estate</a>,</li>
<li>"Are quadplexes a good investment?"</li>
<li>"I have $250k to invest; should I buy real estate or other investments?"</li>
<li>The riskiness of multi-family investment groups,</li>
<li>"How do I best invest the profits of a house sale?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36640638-e39a-11ed-8044-ab9685f9f6a2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2495974322.mp3?updated=1683059971" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are We Heading Toward a Recession? (Hour 1)</title>
      <description>Rachel Cruze answers your questions and discusses:

"Should we put money into my father's house or save for our own house?"

"How should I budget money I make from surrogacy?"

Knowing which debt to tackle next,

 from the blog: How the Debt Snowball Method Works,

Are we heading toward a recession?

"Is debt-consolidation the right option for us?"

from the blog: What Is Debt Consolidation?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 02 May 2023 19:57:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze answers your questions and discusses:

"Should we put money into my father's house or save for our own house?"

"How should I budget money I make from surrogacy?"

Knowing which debt to tackle next,

 from the blog: How the Debt Snowball Method Works,

Are we heading toward a recession?

"Is debt-consolidation the right option for us?"

from the blog: What Is Debt Consolidation?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze answers your questions and discusses:</p><ul>
<li>"Should we put money into my father's house or save for our own house?"</li>
<li>"How should I budget money I make from surrogacy?"</li>
<li>Knowing which debt to tackle next,</li>
<li class="ql-indent-1"> from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>,</li>
<li>Are we heading toward a recession?</li>
<li>"Is debt-consolidation the right option for us?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/debt-consolidation-truth?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Debt Consolidation?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9fbf0d2-e385-11ed-84a7-8786e9d6ee86]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4360931708.mp3?updated=1683056752" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What To Do When You Feel Stuck in Debt (Hour 3)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should I leave my teaching career?"

"Should we move to a different school district for my son's wrestling team?"

"I'm feeling stuck and can't get out of debt"

"Should we invest the settlement from a car accident?"

Selling the house to pay off debt faster.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 01 May 2023 21:37:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should I leave my teaching career?"

"Should we move to a different school district for my son's wrestling team?"

"I'm feeling stuck and can't get out of debt"

"Should we invest the settlement from a car accident?"

Selling the house to pay off debt faster.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should I leave my teaching career?"</li>
<li>"Should we move to a different school district for my son's wrestling team?"</li>
<li>"I'm feeling stuck and can't get out of debt"</li>
<li>"Should we invest the settlement from a car accident?"</li>
<li>Selling the house to pay off debt faster.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5931dcc-e39b-11ed-9ae5-433bd5cda92c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1261602389.mp3?updated=1682976967" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Jade &amp; Rachel Share Their Own Personal Budget Busters (Hour 2)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should we pull from retirement to pay off the house?"

Why you shouldn't get a loan to buy a mobile home for a rental,

Jade &amp; Rachel share their own personal budget busters,

Getting a masters degree.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 01 May 2023 20:40:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should we pull from retirement to pay off the house?"

Why you shouldn't get a loan to buy a mobile home for a rental,

Jade &amp; Rachel share their own personal budget busters,

Getting a masters degree.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should we pull from retirement to pay off the house?"</li>
<li>Why you shouldn't get a loan to buy a mobile home for a rental,</li>
<li>Jade &amp; Rachel share their own personal budget busters,</li>
<li>Getting a masters degree.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[364a7fba-e39a-11ed-8044-db33d9fe0b99]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1869610745.mp3?updated=1682973431" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Compounding Effects of Borrowing Money (Hour 1)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"How do I start my first budget?"

Why BNPL has a compounding effect of stupid,

"Can I afford to buy a 'fun' car right now?"

"We can barely make ends meet supporting our adult children"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 01 May 2023 19:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"How do I start my first budget?"

Why BNPL has a compounding effect of stupid,

"Can I afford to buy a 'fun' car right now?"

"We can barely make ends meet supporting our adult children"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"How do I start my first budget?"</li>
<li>Why BNPL has a compounding effect of stupid,</li>
<li>"Can I afford to buy a 'fun' car right now?"</li>
<li>"We can barely make ends meet supporting our adult children"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9e6c3f6-e385-11ed-84a7-5f317bff37fa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8293118594.mp3?updated=1682972254" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What We Can Learn From an Angry Morgan Wallen Fan (Hour 3)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Should I get variable universal life insurance?"

from the blog: Everything You Need to Know About Universal Life Insurance,

 Angry Morgan Wallen fan sends singer $4K bill for canceled show,

Teaching kids about the best way to save,

from the blog: How Do I Teach My Kids How to Save?


Pulling from retirement savings to pay off the house,

"Can we afford to go on vacation?"

"Are we dreaming too big?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Apr 2023 21:43:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Should I get variable universal life insurance?"

from the blog: Everything You Need to Know About Universal Life Insurance,

 Angry Morgan Wallen fan sends singer $4K bill for canceled show,

Teaching kids about the best way to save,

from the blog: How Do I Teach My Kids How to Save?


Pulling from retirement savings to pay off the house,

"Can we afford to go on vacation?"

"Are we dreaming too big?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I get variable universal life insurance?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/universal-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Everything You Need to Know About Universal Life Insurance</a>,</li>
<li> Angry Morgan Wallen fan sends singer $4K bill for canceled show,</li>
<li>Teaching kids about the best way to save,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/relationships/how-do-i-teach-my-kids-how-to-save?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Do I Teach My Kids How to Save?</a>
</li>
<li>Pulling from retirement savings to pay off the house,</li>
<li>"Can we afford to go on vacation?"</li>
<li>"Are we dreaming too big?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2530</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[45962070-c813-11ed-a3ba-67d4bdd9e48d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3013977202.mp3?updated=1682718514" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Beware of “Debit” Cards That Claim To Build Credit (Hour 2)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"I'm drained and hate my job... can I afford to quit?" 

"Should I pay off my car lease or sell it?"

The danger of debit cards that claim to build credit,

Rolling over a 401(k) into a Roth,

"We're in a house we can't afford"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Apr 2023 20:40:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"I'm drained and hate my job... can I afford to quit?" 

"Should I pay off my car lease or sell it?"

The danger of debit cards that claim to build credit,

Rolling over a 401(k) into a Roth,

"We're in a house we can't afford"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I'm drained and hate my job... can I afford to quit?" </li>
<li>"Should I pay off my car lease or sell it?"</li>
<li>The danger of debit cards that claim to build credit,</li>
<li>Rolling over a 401(k) into a Roth,</li>
<li>"We're in a house we can't afford"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[06c87600-c812-11ed-ad92-57aadb01aa8e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8194773800.mp3?updated=1682718536" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get Out of Debt Fast, Get Rich Slow! (Hour 1)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

Struggling to get ahead working the baby steps,

Why you should get out of debt quick, and get rich slow(ly),

"Should I buy a car next year?"

"Do my HOA dues violate the Baby Steps?"

"Should I get a HELOC to add-on to my house"

from the blog: HELOC: What Is a Home Equity Line of Credit?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Apr 2023 19:45:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

Struggling to get ahead working the baby steps,

Why you should get out of debt quick, and get rich slow(ly),

"Should I buy a car next year?"

"Do my HOA dues violate the Baby Steps?"

"Should I get a HELOC to add-on to my house"

from the blog: HELOC: What Is a Home Equity Line of Credit?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Struggling to get ahead working the baby steps,</li>
<li>Why you should get out of debt quick, and get rich slow(ly),</li>
<li>"Should I buy a car next year?"</li>
<li>"Do my HOA dues violate the Baby Steps?"</li>
<li>"Should I get a HELOC to add-on to my house"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/home-equity-line-of-credit?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">HELOC: What Is a Home Equity Line of Credit?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Join a Personality-led FPU class. <a href="https://www.ramseysolutions.com/ramseyplus/financial-peace/personality">Click here!</a></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61a7bbe0-c802-11ed-84c0-b37d01232b82]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2129015871.mp3?updated=1682718549" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Is It So Hard To Hire Right Now? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Is our business ready to hire an apprentice?"

"How do I get my team to have a sense of ownership?"

"Some of our high producers are a bad culture fit"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Apr 2023 21:33:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Is our business ready to hire an apprentice?"

"How do I get my team to have a sense of ownership?"

"Some of our high producers are a bad culture fit"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Is our business ready to hire an apprentice?"</li>
<li>"How do I get my team to have a sense of ownership?"</li>
<li>"Some of our high producers are a bad culture fit"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[457d9f78-c813-11ed-a3ba-6b548376ea89]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7398078893.mp3?updated=1682631224" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Gold Is Just a Rock That’s Yellow, Not an Investment (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I'm paying my parents a mortgage payment and it's uncomfortable",

"Should I invest in gold instead of my 401(k)?"

from the blog: Why Investing in Precious Metals Is a Bad Idea,

How do I start a Roth IRA?

from the blog: How to Start a Roth IRA,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Apr 2023 20:44:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I'm paying my parents a mortgage payment and it's uncomfortable",

"Should I invest in gold instead of my 401(k)?"

from the blog: Why Investing in Precious Metals Is a Bad Idea,

How do I start a Roth IRA?

from the blog: How to Start a Roth IRA,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"I'm paying my parents a mortgage payment and it's uncomfortable",</li>
<li>"Should I invest in gold instead of my 401(k)?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/investing-in-precious-metals?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Investing in Precious Metals Is a Bad Idea</a>,</li>
<li>How do I start a Roth IRA?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-a-roth-ira?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start a Roth IRA</a>,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[06b3d27c-c812-11ed-ad92-475786de51ec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8336463962.mp3?updated=1682628172" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do You Want To Be King of the AirBnB or Have a Peaceful Life? (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Keeping or selling rental property,

"Should I use a Robo or A.I. investor?"

from the blog: Dave's Investing Philosophy,

The best way to go to flight school,

"Should I keep money in the S&amp;P500 or put it in savings?"

"Is debt-consolidation a good idea?"

from the blog: What Is Debt Consolidation?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Apr 2023 19:41:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Keeping or selling rental property,

"Should I use a Robo or A.I. investor?"

from the blog: Dave's Investing Philosophy,

The best way to go to flight school,

"Should I keep money in the S&amp;P500 or put it in savings?"

"Is debt-consolidation a good idea?"

from the blog: What Is Debt Consolidation?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy
Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Keeping or selling rental property,</li>
<li>"Should I use a Robo or A.I. investor?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/daves-investing-philosophy?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Dave's Investing Philosophy</a>,</li>
<li>The best way to go to flight school,</li>
<li>"Should I keep money in the S&amp;P500 or put it in savings?"</li>
<li>"Is debt-consolidation a good idea?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/debt-consolidation-truth?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Debt Consolidation?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Enter The Ramsey Cash Giveaway for a chance at $3,000! <a href="https://bit.ly/TRSgvwy">https://bit.ly/TRSgvwy</a></p><p>Shop our bestsellers during the $10 Sale! <a href="https://bit.ly/TRS10Sale">https://bit.ly/TRS10Sale</a></p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61949402-c802-11ed-84c0-8f42153257b0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6042063624.mp3?updated=1682624807" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Believe the Lies, You CAN Become a Millionaire (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built wealth!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Apr 2023 21:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built wealth!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel interview millionaires to find out how they built wealth!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2537</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4568f820-c813-11ed-a3ba-9fa239c9f990]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1882041111.mp3?updated=1682544988" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Pay for Unexpected Expenses? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Paying for emergency medical bills,

"Should I mortgage my rental properties?"

"How do I prepare for upcoming expenses?"

"Should I be concerned about de-dollarization?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Apr 2023 20:41:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Paying for emergency medical bills,

"Should I mortgage my rental properties?"

"How do I prepare for upcoming expenses?"

"Should I be concerned about de-dollarization?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Paying for emergency medical bills,</li>
<li>"Should I mortgage my rental properties?"</li>
<li>"How do I prepare for upcoming expenses?"</li>
<li>"Should I be concerned about de-dollarization?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[069e9a60-c812-11ed-ad92-5fe8ba89d61a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5762337808.mp3?updated=1682541683" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Immune to Socialism if You Don’t Borrow Money! (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should I pay off my house or keep the mortgage?" 

from the blog: How to Pay Off Your Mortgage Early,

"This is socialized mortgage (and it amounts to nothing)",

"Should I keep investing like I am?"

Saving for grad school while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Apr 2023 19:55:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"Should I pay off my house or keep the mortgage?" 

from the blog: How to Pay Off Your Mortgage Early,

"This is socialized mortgage (and it amounts to nothing)",

"Should I keep investing like I am?"

Saving for grad school while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I pay off my house or keep the mortgage?" </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>"This is socialized mortgage (and it amounts to nothing)",</li>
<li>"Should I keep investing like I am?"</li>
<li>Saving for grad school while paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[618154d2-c802-11ed-84c0-03b7ddb590c7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6239410201.mp3?updated=1682538149" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Finding a Well-Paid Side-Hustle (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Preparing for an upcoming settlement,

"Should we use 529 to pay for private school or college?"

"How can I find a side hustle that pays well?"

"Should we buy a term life insurance that converts to whole life?"

Cashing out stocks to pay off student loans,

"We're struggling to feel like will we never get a house"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Apr 2023 21:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Preparing for an upcoming settlement,

"Should we use 529 to pay for private school or college?"

"How can I find a side hustle that pays well?"

"Should we buy a term life insurance that converts to whole life?"

Cashing out stocks to pay off student loans,

"We're struggling to feel like will we never get a house"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Preparing for an upcoming settlement,</li>
<li>"Should we use 529 to pay for private school or college?"</li>
<li>"How can I find a side hustle that pays well?"</li>
<li>"Should we buy a term life insurance that converts to whole life?"</li>
<li>Cashing out stocks to pay off student loans,</li>
<li>"We're struggling to feel like will we never get a house"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2519</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4553c13a-c813-11ed-a3ba-634641c68c72]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5425911464.mp3?updated=1682458764" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should We Be Saving Up For? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

" I feel bad for spending on our wedding"

Saving for college vs. paying off the house,

"We are scared to go into debt for a house"

"Should we update our house even if we move later?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Apr 2023 20:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

" I feel bad for spending on our wedding"

Saving for college vs. paying off the house,

"We are scared to go into debt for a house"

"Should we update our house even if we move later?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>" I feel bad for spending on our wedding"</li>
<li>Saving for college vs. paying off the house,</li>
<li>"We are scared to go into debt for a house"</li>
<li>"Should we update our house even if we move later?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[068a670c-c812-11ed-ad92-275460ec65ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7380212422.mp3?updated=1682454823" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Keep Making Aggressive Mortgage Payments? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Refinancing vs. making aggressive mortgage payments

The importance of insurance,

"How do I get my spouse on board?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Apr 2023 20:00:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Refinancing vs. making aggressive mortgage payments

The importance of insurance,

"How do I get my spouse on board?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Refinancing vs. making aggressive mortgage payments</li>
<li>The importance of insurance,</li>
<li>"How do I get my spouse on board?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[616dd646-c802-11ed-84c0-afbe0c0d570f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8834192945.mp3?updated=1682452158" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What To Do When the Renters Don’t Pay (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I invest less to pay more on my house?"

"Renters stopped paying rent; is this our fault?"

Saving up for a rental property,

"Should I drop out of college to take a job?"

"My boss offered to sell me the company"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Apr 2023 21:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I invest less to pay more on my house?"

"Renters stopped paying rent; is this our fault?"

Saving up for a rental property,

"Should I drop out of college to take a job?"

"My boss offered to sell me the company"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I invest less to pay more on my house?"</li>
<li>"Renters stopped paying rent; is this our fault?"</li>
<li>Saving up for a rental property,</li>
<li>"Should I drop out of college to take a job?"</li>
<li>"My boss offered to sell me the company"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[453d7740-c813-11ed-a3ba-67521b11dae2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8111530715.mp3?updated=1682372154" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re in a Financial Mess… (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"We're in a financial mess, what can we do?"

"Should I use a debt consolidation loan?"

Pay off the house vs. investing,

"How should I use my signing bonus?"

"Should I pay off my $70,000 camper?"

Selling stocks to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Apr 2023 20:43:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"We're in a financial mess, what can we do?"

"Should I use a debt consolidation loan?"

Pay off the house vs. investing,

"How should I use my signing bonus?"

"Should I pay off my $70,000 camper?"

Selling stocks to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"We're in a financial mess, what can we do?"</li>
<li>"Should I use a debt consolidation loan?"</li>
<li>Pay off the house vs. investing,</li>
<li>"How should I use my signing bonus?"</li>
<li>"Should I pay off my $70,000 camper?"</li>
<li>Selling stocks to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2490</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[06772714-c812-11ed-ad92-4b87a630dc07]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6489714136.mp3?updated=1682368529" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Build Wealth for Retirement? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My friends want me to go into business with them",

"The best way to save for a house",

"How do I grow wealth for retirement?"

"Should we be content with our current home?"

"Should I use my collector cars as an investment?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Apr 2023 19:48:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My friends want me to go into business with them",

"The best way to save for a house",

"How do I grow wealth for retirement?"

"Should we be content with our current home?"

"Should I use my collector cars as an investment?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My friends want me to go into business with them",</li>
<li>"The best way to save for a house",</li>
<li>"How do I grow wealth for retirement?"</li>
<li>"Should we be content with our current home?"</li>
<li>"Should I use my collector cars as an investment?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Interested in advertising on The Ramsey Show? <a href="https://ter.li/s64ye3">https://ter.li/s64ye3</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2479</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[615b2154-c802-11ed-84c0-0b4a5aca6141]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9509821162.mp3?updated=1682365341" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The New Federal Housing Rule Rewards Financial Irresponsibility (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I feel overwhelmed trying to save for retirement",

The new federal housing rule that rewards financial irresponsibility,

Buying precious metals,

Saving to be able to travel.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Apr 2023 21:40:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I feel overwhelmed trying to save for retirement",

The new federal housing rule that rewards financial irresponsibility,

Buying precious metals,

Saving to be able to travel.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I feel overwhelmed trying to save for retirement",</li>
<li>The new federal housing rule that rewards financial irresponsibility,</li>
<li>Buying precious metals,</li>
<li>Saving to be able to travel.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[452891ea-c813-11ed-a3ba-9f02a0385ad5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2816779234.mp3?updated=1682113534" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There’s a Glaring Problem in Your Budget (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Should we get a prenup?"

"I'm scared to have $1000 emergency fund",

The bleak financial state of most Americans (and why there is hope),

Paying off a townhome vs. saving for a new house,

How kids should handle their money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Apr 2023 20:48:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Should we get a prenup?"

"I'm scared to have $1000 emergency fund",

The bleak financial state of most Americans (and why there is hope),

Paying off a townhome vs. saving for a new house,

How kids should handle their money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should we get a prenup?"</li>
<li>"I'm scared to have $1000 emergency fund",</li>
<li>The bleak financial state of most Americans (and why there is hope),</li>
<li>Paying off a townhome vs. saving for a new house,</li>
<li>How kids should handle their money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0663381c-c812-11ed-ad92-e7c1c0b5d425]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6250299371.mp3?updated=1682109525" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Impossible To Borrow Your Way Out of Debt (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I can't afford my apartment and don't know what to do", 

Why John Cena's daily driver is a Honda Civic,

Pausing investing to pay for kids' college,

"Should I use my savings to pay off my house?"

A gambler describes his cycle of taking out debt to pay off more debt.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Apr 2023 19:43:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I can't afford my apartment and don't know what to do", 

Why John Cena's daily driver is a Honda Civic,

Pausing investing to pay for kids' college,

"Should I use my savings to pay off my house?"

A gambler describes his cycle of taking out debt to pay off more debt.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I can't afford my apartment and don't know what to do", </li>
<li>Why John Cena's daily driver is a Honda Civic,</li>
<li>Pausing investing to pay for kids' college,</li>
<li>"Should I use my savings to pay off my house?"</li>
<li>A gambler describes his cycle of taking out debt to pay off more debt.</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6147aeee-c802-11ed-84c0-bfd83fa105f2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4987316226.mp3?updated=1682105799" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Dream Will Become a Nightmare (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"What kind of loan should I use to buy a piece of property?"

"Student question: How can I be confident going out into the real world after graduation?"

"Can we use emergency fund to buy new car?"

Using an IRA vs. TSP,

"Should I take a cash offer for my house instead of using an agent?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Apr 2023 21:39:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"What kind of loan should I use to buy a piece of property?"

"Student question: How can I be confident going out into the real world after graduation?"

"Can we use emergency fund to buy new car?"

Using an IRA vs. TSP,

"Should I take a cash offer for my house instead of using an agent?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"What kind of loan should I use to buy a piece of property?"</li>
<li>"Student question: How can I be confident going out into the real world after graduation?"</li>
<li>"Can we use emergency fund to buy new car?"</li>
<li>Using an IRA vs. TSP,</li>
<li>"Should I take a cash offer for my house instead of using an agent?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[45137c4c-c813-11ed-a3ba-cbeefc603ee6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8926846019.mp3?updated=1682027006" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Taylor Swift Saved Herself From a Massive Crypto Lawsuit (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Taylor Swift was the only celebrity to walk away from an FTX endorsement deal,

"My boyfriend is too attached to his parents and I'm getting bitter",

"How can I prevent my mom's home foreclosure?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Apr 2023 20:39:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Taylor Swift was the only celebrity to walk away from an FTX endorsement deal,

"My boyfriend is too attached to his parents and I'm getting bitter",

"How can I prevent my mom's home foreclosure?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Taylor Swift was the only celebrity to walk away from an FTX endorsement deal,</li>
<li>"My boyfriend is too attached to his parents and I'm getting bitter",</li>
<li>"How can I prevent my mom's home foreclosure?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[064fdf74-c812-11ed-ad92-5b0e1cd4caef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6623586245.mp3?updated=1682022808" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Begging You Not To Do This! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I move after losing my job?" 

Taking out a HELOC for a downpayment,

"Should I use all my savings pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Apr 2023 19:38:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I move after losing my job?" 

Taking out a HELOC for a downpayment,

"Should I use all my savings pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I move after losing my job?" </li>
<li>Taking out a HELOC for a downpayment,</li>
<li>"Should I use all my savings pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6135307a-c802-11ed-84c0-f38fc120dc49]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3785092055.mp3?updated=1682019235" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Reverse Mortgages Are From the Pit of Hell (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I pay off a reverse mortgage for my father-in-law using 401(k) money?"

"Should I buy a second home to be near my boyfriend?"

Pulling from a brokerage account to pay off debt,

"How do I stop living below the poverty line?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Apr 2023 21:39:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I pay off a reverse mortgage for my father-in-law using 401(k) money?"

"Should I buy a second home to be near my boyfriend?"

Pulling from a brokerage account to pay off debt,

"How do I stop living below the poverty line?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I pay off a reverse mortgage for my father-in-law using 401(k) money?"</li>
<li>"Should I buy a second home to be near my boyfriend?"</li>
<li>Pulling from a brokerage account to pay off debt,</li>
<li>"How do I stop living below the poverty line?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44fec860-c813-11ed-a3ba-afcc0ed355ed]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6150278745.mp3?updated=1681940383" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stupid-Butt Stuff (Like Lendtable) Makes You Broke! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do if you can't get traditional life insurance, 

Why borrowing money for your employer match through Lendtable is a terrible idea,

What should I do with money in savings?

"Should I help my son purchase a home?"

"Is our long-term care insurance still worth it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Apr 2023 20:56:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do if you can't get traditional life insurance, 

Why borrowing money for your employer match through Lendtable is a terrible idea,

What should I do with money in savings?

"Should I help my son purchase a home?"

"Is our long-term care insurance still worth it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to do if you can't get traditional life insurance, </li>
<li>Why borrowing money for your employer match through Lendtable is a terrible idea,</li>
<li>What should I do with money in savings?</li>
<li>"Should I help my son purchase a home?"</li>
<li>"Is our long-term care insurance still worth it?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[063bffc2-c812-11ed-ad92-3b2e5e7d2a6d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9002797720.mp3?updated=1681937282" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Your Inner Drama Queen Control Your Investing! (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I buy a backup vehicle for my job?"

"Taking out a HELOC to repair the roof",

from the blog: HELOC: What Is a Home Equity Line of Credit?


Getting out of debt while preparing for marriage,

Borrowing against one property to buy another,

"I make a lot of money but have no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Apr 2023 19:52:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I buy a backup vehicle for my job?"

"Taking out a HELOC to repair the roof",

from the blog: HELOC: What Is a Home Equity Line of Credit?


Getting out of debt while preparing for marriage,

Borrowing against one property to buy another,

"I make a lot of money but have no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I buy a backup vehicle for my job?"</li>
<li>"Taking out a HELOC to repair the roof",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/home-equity-line-of-credit?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">HELOC: What Is a Home Equity Line of Credit?</a>
</li>
<li>Getting out of debt while preparing for marriage,</li>
<li>Borrowing against one property to buy another,</li>
<li>"I make a lot of money but have no retirement"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6122121a-c802-11ed-84c0-4f742e264881]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3615999044.mp3?updated=1681933592" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do Something That Lights Your Fire (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Choosing the right position within a company,

How to nail a 15-minute job interview,

"We bought too much house..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Apr 2023 21:56:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Choosing the right position within a company,

How to nail a 15-minute job interview,

"We bought too much house..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Choosing the right position within a company,</li>
<li>How to nail a 15-minute job interview,</li>
<li>"We bought too much house..."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44e9ebc0-c813-11ed-a3ba-9b3584489f6d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3635482226.mp3?updated=1681854059" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Like We’ll Never Be Millionaires (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"After 10 years I still feel very far from Baby Step 7",

"I don't know how to get ahead with my finances",

"My husband won't stop investing even though we're deeply in debt",

Why parents shouldn't pay for their adult kids' expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Apr 2023 20:40:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"After 10 years I still feel very far from Baby Step 7",

"I don't know how to get ahead with my finances",

"My husband won't stop investing even though we're deeply in debt",

Why parents shouldn't pay for their adult kids' expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"After 10 years I still feel very far from Baby Step 7",</li>
<li>"I don't know how to get ahead with my finances",</li>
<li>"My husband won't stop investing even though we're deeply in debt",</li>
<li>Why parents shouldn't pay for their adult kids' expenses.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[062943c8-c812-11ed-ad92-938d19693aeb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6358382375.mp3?updated=1681850144" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Plans Just Fell Apart (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"My post-college plans just fell apart",

Making a side-hustle full-time,

Splitting property taxes with family members,

Using employee stock options to pay off a home,

"We're millionaires but we're still renting"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Apr 2023 19:44:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"My post-college plans just fell apart",

Making a side-hustle full-time,

Splitting property taxes with family members,

Using employee stock options to pay off a home,

"We're millionaires but we're still renting"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"My post-college plans just fell apart",</li>
<li>Making a side-hustle full-time,</li>
<li>Splitting property taxes with family members,</li>
<li>Using employee stock options to pay off a home,</li>
<li>"We're millionaires but we're still renting"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[610e12e2-c802-11ed-84c0-ef23cef95afb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5918970850.mp3?updated=1681846701" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Haven’t Filed Taxes in 3 Years… (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I haven't filed taxes in three years..."

"Are braces a frivolous expense?"

"Should I save for my emergency fund or college?"

"Is there a way to help our credit score disappear?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Apr 2023 21:35:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"I haven't filed taxes in three years..."

"Are braces a frivolous expense?"

"Should I save for my emergency fund or college?"

"Is there a way to help our credit score disappear?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I haven't filed taxes in three years..."</li>
<li>"Are braces a frivolous expense?"</li>
<li>"Should I save for my emergency fund or college?"</li>
<li>"Is there a way to help our credit score disappear?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44d4e2c0-c813-11ed-a3ba-2747fb0c0013]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9093491235.mp3?updated=1681767319" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why a 40-Year Mortgage Is a Terrible Idea (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I pay off my student loans or buy a house?"

Why a 40-year mortgage is a terrible idea,

"Should we sell my husband's car?"

Pausing retirement to save for a house,

"Which debt do I tackle first?"

from the blog: How the Debt Snowball Method Works,

"Should I stop paying off debt if I'm about to lose my job?

from the blog: When to Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Apr 2023 20:39:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I pay off my student loans or buy a house?"

Why a 40-year mortgage is a terrible idea,

"Should we sell my husband's car?"

Pausing retirement to save for a house,

"Which debt do I tackle first?"

from the blog: How the Debt Snowball Method Works,

"Should I stop paying off debt if I'm about to lose my job?

from the blog: When to Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I pay off my student loans or buy a house?"</li>
<li>Why a 40-year mortgage is a terrible idea,</li>
<li>"Should we sell my husband's car?"</li>
<li>Pausing retirement to save for a house,</li>
<li>"Which debt do I tackle first?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>,</li>
<li>"Should I stop paying off debt if I'm about to lose my job?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When to Pause Your Debt Snowball</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0614a580-c812-11ed-ad92-5767dffc20bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5332971271.mp3?updated=1681763828" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Should I Pay Off My Car? (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I use my emergency fund to pay off the house?"

"Why should I pay off my vehicles?"

from the blog: Should I Pay Off My Car Early?


"We bought a house we can't afford",

"Should I rent my house out to college students?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Apr 2023 19:38:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I use my emergency fund to pay off the house?"

"Why should I pay off my vehicles?"

from the blog: Should I Pay Off My Car Early?


"We bought a house we can't afford",

"Should I rent my house out to college students?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I use my emergency fund to pay off the house?"</li>
<li>"Why should I pay off my vehicles?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/should-i-pay-off-my-car-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Pay Off My Car Early?</a>
</li>
<li>"We bought a house we can't afford",</li>
<li>"Should I rent my house out to college students?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2535</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60fadef2-c802-11ed-84c0-732aa7dfd0d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5204064445.mp3?updated=1681760311" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Afford To Buy a Home Right Now? (Hour 3)</title>
      <description>Dave Ramsey, Rachel Cruze, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!

"How can I afford to buy a home right now?"

"When should you share your budget with your kids?" 

Moving from intensity to intentionality later in the Baby Steps,

Dave talks about why he decided to start teaching people how to have financial peace.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Apr 2023 21:53:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, Rachel Cruze, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!

"How can I afford to buy a home right now?"

"When should you share your budget with your kids?" 

Moving from intensity to intentionality later in the Baby Steps,

Dave talks about why he decided to start teaching people how to have financial peace.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, Rachel Cruze, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!</p><ul>
<li>"How can I afford to buy a home right now?"</li>
<li>"When should you share your budget with your kids?" </li>
<li>Moving from intensity to intentionality later in the Baby Steps,</li>
<li>Dave talks about why he decided to start teaching people how to have financial peace.</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2477</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44c02042-c813-11ed-a3ba-b7c7b0636825]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4688946806.mp3?updated=1681509184" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Advice Would Dave Give to His Younger Self? (Hour 2)</title>
      <description>Dave Ramsey, George Kamel, &amp; Ken Coleman take questions in front of a live studio audience in our new Ramsey Event Center!

"What advice would you give to your younger self?"

"Is $1000 still enough for the starter emergency fund?"

"How long will my credit score stick around after I pay off my house?"

"Should I get a HELOC?"

"What happens to my parents' debt after they die?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Apr 2023 20:33:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, George Kamel, &amp; Ken Coleman take questions in front of a live studio audience in our new Ramsey Event Center!

"What advice would you give to your younger self?"

"Is $1000 still enough for the starter emergency fund?"

"How long will my credit score stick around after I pay off my house?"

"Should I get a HELOC?"

"What happens to my parents' debt after they die?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, George Kamel, &amp; Ken Coleman take questions in front of a live studio audience in our new Ramsey Event Center!</p><ul>
<li>"What advice would you give to your younger self?"</li>
<li>"Is $1000 still enough for the starter emergency fund?"</li>
<li>"How long will my credit score stick around after I pay off my house?"</li>
<li>"Should I get a HELOC?"</li>
<li>"What happens to my parents' debt after they die?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2479</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05ff243a-c812-11ed-ad92-6baaf53a8e04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4164787107.mp3?updated=1681504573" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Will the Market Be Safe To Invest Again? (Hour 1)</title>
      <description>Dave Ramsey, Jade Warshaw, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!

"We lost 30k in the market... when is it safe to invest again?"

"Is it too late for us to buy a house?"

Living and giving without feeling ashamed for being blessed,

Convincing others to live a debt-free lifestyle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Apr 2023 19:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, Jade Warshaw, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!

"We lost 30k in the market... when is it safe to invest again?"

"Is it too late for us to buy a house?"

Living and giving without feeling ashamed for being blessed,

Convincing others to live a debt-free lifestyle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, Jade Warshaw, &amp; Dr. John Delony take questions in front of a live studio audience in our new Ramsey Event Center!</p><ul>
<li>"We lost 30k in the market... when is it safe to invest again?"</li>
<li>"Is it too late for us to buy a house?"</li>
<li>Living and giving without feeling ashamed for being blessed,</li>
<li>Convincing others to live a debt-free lifestyle.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60e7b020-c802-11ed-84c0-1f50ff42667a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6352488088.mp3?updated=1681854928" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need To Hire an Attorney and Sue Her! (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"What do I do if the executor of a will isn't following the will?"

Making a side-hustle a full-time job,

"How is my debit card protected from fraud?"

Pausing investing while paying off debt

from the blog: When You Should Stop Investing



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Apr 2023 21:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"What do I do if the executor of a will isn't following the will?"

Making a side-hustle a full-time job,

"How is my debit card protected from fraud?"

Pausing investing while paying off debt

from the blog: When You Should Stop Investing



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"What do I do if the executor of a will isn't following the will?"</li>
<li>Making a side-hustle a full-time job,</li>
<li>"How is my debit card protected from fraud?"</li>
<li>Pausing investing while paying off debt</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44abed5c-c813-11ed-a3ba-2fc3b59fa25e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8747241766.mp3?updated=1681421717" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When You Should Use a High-Yield Savings Account (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Should I sell because my HOA dues are high?"

"Where should I keep my emergency fund?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"How should we pay to build a new house?"

"Can I afford to buy a new car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Apr 2023 20:39:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Should I sell because my HOA dues are high?"

"Where should I keep my emergency fund?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"How should we pay to build a new house?"

"Can I afford to buy a new car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should I sell because my HOA dues are high?"</li>
<li>"Where should I keep my emergency fund?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
<li>"How should we pay to build a new house?"</li>
<li>"Can I afford to buy a new car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05e8bc9a-c812-11ed-ad92-bba7654d74c0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1238341370.mp3?updated=1681418245" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Where Do You Draw the Line on Helping Kids With Money? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"What do we do with money that's over our Roth limit?" 

"Where do you draw the line on helping kids with money?"

"How do I factor in military retirement?"

Saving for a house,

from the blog: How to Save for a House,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Apr 2023 19:47:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"What do we do with money that's over our Roth limit?" 

"Where do you draw the line on helping kids with money?"

"How do I factor in military retirement?"

Saving for a house,

from the blog: How to Save for a House,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"What do we do with money that's over our Roth limit?" </li>
<li>"Where do you draw the line on helping kids with money?"</li>
<li>"How do I factor in military retirement?"</li>
<li>Saving for a house,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-save-money-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save for a House</a>,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2479</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60d46204-c802-11ed-84c0-1f79672278ec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7179478016.mp3?updated=1681415338" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Don’t Do This, No One Else Will! (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Being gazelle intense is affecting our marriage", 

What happens if you don't pay your taxes,

Fractional real estate investing vs. REITs.

from the blog: What Is a Real Estate Investment Trust (REIT)?


"When should the executor of a will be added to bank accounts?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Apr 2023 21:41:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Being gazelle intense is affecting our marriage", 

What happens if you don't pay your taxes,

Fractional real estate investing vs. REITs.

from the blog: What Is a Real Estate Investment Trust (REIT)?


"When should the executor of a will be added to bank accounts?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Being gazelle intense is affecting our marriage", </li>
<li>What happens if you don't pay your taxes,</li>
<li>Fractional real estate investing vs. REITs.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/real-estate-investment-trust?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Real Estate Investment Trust (REIT)?</a>
</li>
<li>"When should the executor of a will be added to bank accounts?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44973bb4-c813-11ed-a3ba-b794cfd7eae2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7482318028.mp3?updated=1681335513" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“The Tenants Pay My Mortgage” Is Bullcrap! (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Why more debt always equals more risk, 

"Should I save for college or pay off the house?"

"How do I pull money from retirement and not drain my account?"

from the blog: How to Take Money Out of Retirement Accounts


Downsizing after the kids are gone,

What to do with extra income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Apr 2023 20:48:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Why more debt always equals more risk, 

"Should I save for college or pay off the house?"

"How do I pull money from retirement and not drain my account?"

from the blog: How to Take Money Out of Retirement Accounts


Downsizing after the kids are gone,

What to do with extra income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Why more debt always equals more risk, </li>
<li>"Should I save for college or pay off the house?"</li>
<li>"How do I pull money from retirement and not drain my account?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-take-money-out-of-retirement-accounts?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Take Money Out of Retirement Accounts</a>
</li>
<li>Downsizing after the kids are gone,</li>
<li>What to do with extra income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05d660b8-c812-11ed-ad92-e77c4fa8604f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7957807997.mp3?updated=1681332023" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Controlling Compulsive Spending While Struggling With ADHD (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"How can I help my parents with their money?"

Controlling compulsive spending with ADHD,

"We disagree with how to pay off our debt",

"Can I make my side hustle my main job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Apr 2023 19:39:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"How can I help my parents with their money?"

Controlling compulsive spending with ADHD,

"We disagree with how to pay off our debt",

"Can I make my side hustle my main job?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"How can I help my parents with their money?"</li>
<li>Controlling compulsive spending with ADHD,</li>
<li>"We disagree with how to pay off our debt",</li>
<li>"Can I make my side hustle my main job?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60bf0aee-c802-11ed-84c0-57ed6773de77]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2851600089.mp3?updated=1681327945" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pay Off My Boyfriend’s Debt? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Renting vs. buying a home,

"Should I pay off my boyfriend's debt?"

"Does it make sense to retire outside the US?"

"When should I get term life insurance?" 

from the blog: What Is Term Life Insurance?


Intensity vs. intentionality.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Apr 2023 21:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Renting vs. buying a home,

"Should I pay off my boyfriend's debt?"

"Does it make sense to retire outside the US?"

"When should I get term life insurance?" 

from the blog: What Is Term Life Insurance?


Intensity vs. intentionality.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Renting vs. buying a home,</li>
<li>"Should I pay off my boyfriend's debt?"</li>
<li>"Does it make sense to retire outside the US?"</li>
<li>"When should I get term life insurance?" </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/what-is-term-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Term Life Insurance?</a>
</li>
<li>Intensity vs. intentionality.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4482542e-c813-11ed-a3ba-ab1a4d94ffde]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4985584219.mp3?updated=1681248950" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Taxes Are Due Next Week! Here’s What You Need To Know (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I'm looking for a side hustle"

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,


What you need to know about taxes in 2023,

"Should I use an investment account to pay off my house?"

Adding a spouse to a business account,

"What should I do with my savings?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


Switching jobs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Apr 2023 20:41:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I'm looking for a side hustle"

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,


What you need to know about taxes in 2023,

"Should I use an investment account to pay off my house?"

Adding a spouse to a business account,

"What should I do with my savings?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


Switching jobs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I'm looking for a side hustle"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Cash</a>,</li>
<li>
<a href="https://www.ramseysolutions.com/taxes/tax-season-what-you-need-to-know?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What you need to know about taxes in 2023</a>,</li>
<li>"Should I use an investment account to pay off my house?"</li>
<li>Adding a spouse to a business account,</li>
<li>"What should I do with my savings?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a High-Yield Savings Account and Do I Need One?</a>
</li>
<li>Switching jobs.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05c33646-c812-11ed-ad92-575e30dba6f0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1086187996.mp3?updated=1681245402" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Underwater on My Car (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I become a millionaire by the time I'm 50?" 

Dealing with an upside down vehicle,

from the blog: How to Get Out of an Upside-Down Car Loan,

Starting a business debt-free,

Selling a house to get out of debt,

"Should I still go to my dream college even if I don't get a scholarship there?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Apr 2023 19:52:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I become a millionaire by the time I'm 50?" 

Dealing with an upside down vehicle,

from the blog: How to Get Out of an Upside-Down Car Loan,

Starting a business debt-free,

Selling a house to get out of debt,

"Should I still go to my dream college even if I don't get a scholarship there?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Can I become a millionaire by the time I'm 50?" </li>
<li>Dealing with an upside down vehicle,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-sell-an-upside-down-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of an Upside-Down Car Loan</a>,</li>
<li>Starting a business debt-free,</li>
<li>Selling a house to get out of debt,</li>
<li>"Should I still go to my dream college even if I don't get a scholarship there?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60abae4a-c802-11ed-84c0-93f48d6ce77c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9899357257.mp3?updated=1681241838" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Took This Money You Would Feel Like a Little Kid (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"My husband refuses to give up his credit card",

"My parents offered to take over my debts and have me pay them back..."

"Which debt should we pay off first?

from the blog: How the Debt Snowball Method Works,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Apr 2023 21:47:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"My husband refuses to give up his credit card",

"My parents offered to take over my debts and have me pay them back..."

"Which debt should we pay off first?

from the blog: How the Debt Snowball Method Works,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"My husband refuses to give up his credit card",</li>
<li>"My parents offered to take over my debts and have me pay them back..."</li>
<li>"Which debt should we pay off first?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[446dff88-c813-11ed-a3ba-bffb04045487]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1457735914.mp3?updated=1681163224" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Bought a $72K Car We Can’t Afford (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"My Husband bought a $72k car we can't afford",

Negotiating medical bills in collections,

"Should we pay our student loans?"

Getting a construction loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Apr 2023 20:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

"My Husband bought a $72k car we can't afford",

Negotiating medical bills in collections,

"Should we pay our student loans?"

Getting a construction loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"My Husband bought a $72k car we can't afford",</li>
<li>Negotiating medical bills in collections,</li>
<li>"Should we pay our student loans?"</li>
<li>Getting a construction loan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2477</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05b089ba-c812-11ed-ad92-8fdcaad3afe2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6420281663.mp3?updated=1681158985" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is the Fed Trying To Replace the Dollar? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Why whole life insurance policies suck,

from the blog: What Is Whole Life Insurance?


Why the new FedNow payments system is a mixed bag,

"Should I sell my rental or keep it?"

from the blog: How to Earn Passive Income From Real Estate



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Apr 2023 19:31:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Why whole life insurance policies suck,

from the blog: What Is Whole Life Insurance?


Why the new FedNow payments system is a mixed bag,

"Should I sell my rental or keep it?"

from the blog: How to Earn Passive Income From Real Estate



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Why whole life insurance policies suck,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/whole-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Whole Life Insurance?</a>
</li>
<li>Why the new FedNow payments system is a mixed bag,</li>
<li>"Should I sell my rental or keep it?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/passive-income-real-estate?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Earn Passive Income From Real Estate</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60979ed2-c802-11ed-84c0-37a5c15b0f79]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6790248590.mp3?updated=1681155134" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Haven’t Gotten a Raise in 10 Years (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I haven't gotten a raise in 10 years!"

How do I invest the money for my mom's care?"

"Should I go back to my old job to get overtime?"

"What's the best way to use our stocks?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Apr 2023 21:38:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I haven't gotten a raise in 10 years!"

How do I invest the money for my mom's care?"

"Should I go back to my old job to get overtime?"

"What's the best way to use our stocks?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I haven't gotten a raise in 10 years!"</li>
<li>How do I invest the money for my mom's care?"</li>
<li>"Should I go back to my old job to get overtime?"</li>
<li>"What's the best way to use our stocks?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44593954-c813-11ed-a3ba-a39c2ac50bc6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3219692958.mp3?updated=1680903630" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Invest My Money? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I drive Uber for work but need to sell my car",

"How does capital gains tax work?"

"Should I invest in company stocks?"

"How do I budget getting paid 5 times a year?"

"Can I afford a $130,000 car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Apr 2023 20:30:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I drive Uber for work but need to sell my car",

"How does capital gains tax work?"

"Should I invest in company stocks?"

"How do I budget getting paid 5 times a year?"

"Can I afford a $130,000 car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I drive Uber for work but need to sell my car",</li>
<li>"How does capital gains tax work?"</li>
<li>"Should I invest in company stocks?"</li>
<li>"How do I budget getting paid 5 times a year?"</li>
<li>"Can I afford a $130,000 car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2310</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[059ca684-c812-11ed-ad92-57a70c77b9c7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1139023383.mp3?updated=1680806487" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Help! I Put My Brother’s Business Debt Into My Name (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I put my brother's business debt into my name",

Setting up my will to protect your kids,

"Should I keep my long-term care policy?"

"How can I save for a house after graduating?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Apr 2023 19:50:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I put my brother's business debt into my name",

Setting up my will to protect your kids,

"Should I keep my long-term care policy?"

"How can I save for a house after graduating?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I put my brother's business debt into my name",</li>
<li>Setting up my will to protect your kids,</li>
<li>"Should I keep my long-term care policy?"</li>
<li>"How can I save for a house after graduating?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2484</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6083eb12-c802-11ed-84c0-d311d3c687ef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5937838272.mp3?updated=1680897135" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Scared for Y’all, This Is Freaking Insanity! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My wife is afraid of the debt payoff process"

Paying for home repairs while paying off debt,

Why you shouldn't take a job just for the 401(k) match,

Why the best "debt relief program" is getting a job,

"Our home is 40% of our take home pay"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Apr 2023 21:40:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My wife is afraid of the debt payoff process"

Paying for home repairs while paying off debt,

Why you shouldn't take a job just for the 401(k) match,

Why the best "debt relief program" is getting a job,

"Our home is 40% of our take home pay"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My wife is afraid of the debt payoff process"</li>
<li>Paying for home repairs while paying off debt,</li>
<li>Why you shouldn't take a job just for the 401(k) match,</li>
<li>Why the best "debt relief program" is getting a job,</li>
<li>"Our home is 40% of our take home pay"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2482</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4444b5ec-c813-11ed-a3ba-33806d1201c0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9416359811.mp3?updated=1680817300" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Banks Aren’t Even Bashful About Screwing Their Customers! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I don't know what to do next",

Why whole-life insurance sucks,

from the blog: What Is Whole Life Insurance?


"How can the FDIC afford to insure everyone's money?"

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers.

How Rocket Mortgage is screwing their customers.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Apr 2023 20:35:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I don't know what to do next",

Why whole-life insurance sucks,

from the blog: What Is Whole Life Insurance?


"How can the FDIC afford to insure everyone's money?"

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers.

How Rocket Mortgage is screwing their customers.


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I don't know what to do next",</li>
<li>Why whole-life insurance sucks,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/whole-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Whole Life Insurance?</a>
</li>
<li>"How can the FDIC afford to insure everyone's money?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/what-is-the-fdic?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers</a>.</li>
<li>How Rocket Mortgage is screwing their customers.</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05893cca-c812-11ed-ad92-db147d4cdf5c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1310991020.mp3?updated=1680813258" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Be Worried About the National Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we be worried about the national debt?"

"Can we use our paid off land as a down payment for a house?"

Using savings to start a business,

"I feel like our debt is never going to end"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Apr 2023 19:44:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we be worried about the national debt?"

"Can we use our paid off land as a down payment for a house?"

Using savings to start a business,

"I feel like our debt is never going to end"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should we be worried about the national debt?"</li>
<li>"Can we use our paid off land as a down payment for a house?"</li>
<li>Using savings to start a business,</li>
<li>"I feel like our debt is never going to end"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[606fcc18-c802-11ed-84c0-4b67d8e322cd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7536909829.mp3?updated=1680809577" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Stick to My Budget? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"How much should I spend on my side hustle?"

Daymond John on learning to earn,

"How much house can we afford?"

The best way to invest for your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Apr 2023 21:42:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"How much should I spend on my side hustle?"

Daymond John on learning to earn,

"How much house can we afford?"

The best way to invest for your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"How much should I spend on my side hustle?"</li>
<li>Daymond John on learning to earn,</li>
<li>"How much house can we afford?"</li>
<li>The best way to invest for your kids.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[442eea46-c813-11ed-a3ba-f7fa1196ec1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5941176485.mp3?updated=1680730850" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Hit Rock Bottom and Don’t Know What To Do Next (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"I hit rock bottom and don't know what to do next",

Preparing to be a stay-at-home mom,

"Can we afford a second home?"

"We make $100k and can't seem to make ends meet",

Why financial literacy education matters,

"When should I buy my first house?"

from the blog: How to Buy a House in 2023



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Apr 2023 21:07:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"I hit rock bottom and don't know what to do next",

Preparing to be a stay-at-home mom,

"Can we afford a second home?"

"We make $100k and can't seem to make ends meet",

Why financial literacy education matters,

"When should I buy my first house?"

from the blog: How to Buy a House in 2023



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"I hit rock bottom and don't know what to do next",</li>
<li>Preparing to be a stay-at-home mom,</li>
<li>"Can we afford a second home?"</li>
<li>"We make $100k and can't seem to make ends meet",</li>
<li>Why financial literacy education matters,</li>
<li>"When should I buy my first house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a House in 2023</a>
</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05751dda-c812-11ed-ad92-f3d3d383c256]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4725798848.mp3?updated=1680727713" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Will We Ever See 3% Mortgage Rates Again? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Help! I'm struggling with budgeting",

"Will we ever see 3% mortgage rates again?"

from the blog: How to Buy a House in 2023,

What to do with your money when the market is crazy,

"My wife doesn't want to move for my new job"

"Should I cash out an inherited IRA?"

"How can I best invest for my kids?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Apr 2023 19:40:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

"Help! I'm struggling with budgeting",

"Will we ever see 3% mortgage rates again?"

from the blog: How to Buy a House in 2023,

What to do with your money when the market is crazy,

"My wife doesn't want to move for my new job"

"Should I cash out an inherited IRA?"

"How can I best invest for my kids?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Help! I'm struggling with budgeting",</li>
<li>"Will we ever see 3% mortgage rates again?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a House in 2023</a>,</li>
<li>What to do with your money when the market is crazy,</li>
<li>"My wife doesn't want to move for my new job"</li>
<li>"Should I cash out an inherited IRA?"</li>
<li>"How can I best invest for my kids?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[605c3360-c802-11ed-84c0-7bca04879c91]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3284076045.mp3?updated=1680723241" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Headed for Stupidville… This Is a Weird Freaking Family (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"My husband is inheriting a house his ex-wife is living in..."

"Should we use the 529 for private school or wait for college?"

"How do I invest past the 401(k) max?"

from the blog: How to Plan for Retirement



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Apr 2023 21:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"My husband is inheriting a house his ex-wife is living in..."

"Should we use the 529 for private school or wait for college?"

"How do I invest past the 401(k) max?"

from the blog: How to Plan for Retirement



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"My husband is inheriting a house his ex-wife is living in..."</li>
<li>"Should we use the 529 for private school or wait for college?"</li>
<li>"How do I invest past the 401(k) max?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-create-your-retirement-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Plan for Retirement</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[441a0bbc-c813-11ed-a3ba-d3cbd53dcb90]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4422518949.mp3?updated=1680643990" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do I Need a Credit Card for International Travel? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I keep a credit card for traveling?"

When to pay off the mortgage,

from the blog: How to Pay Off Your Mortgage Early,

"We are scared to spend our money"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Apr 2023 21:21:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I keep a credit card for traveling?"

When to pay off the mortgage,

from the blog: How to Pay Off Your Mortgage Early,

"We are scared to spend our money"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I keep a credit card for traveling?"</li>
<li>When to pay off the mortgage,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>"We are scared to spend our money"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2489</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[05615f8e-c812-11ed-ad92-7bf1d99f1268]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6271704618.mp3?updated=1680640883" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Husband Is a "Playa", and You Don’t Play Around With Your Home! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Helping a loved one who is dealing with addiction and dysfunction, 

"My husband and I disagree on what to do with our house",

"Should we pay off solar panels?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Apr 2023 21:21:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

Helping a loved one who is dealing with addiction and dysfunction, 

"My husband and I disagree on what to do with our house",

"Should we pay off solar panels?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Helping a loved one who is dealing with addiction and dysfunction, </li>
<li>"My husband and I disagree on what to do with our house",</li>
<li>"Should we pay off solar panels?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbktrQnc0V2JmdU5xeF9ia1lSVGRhdHVJLUp5d3xBQ3Jtc0tucDN3ZnhfS0ZEOVdBS3ZsZjRlWXFyQTAyNFRQRXFPQkYyTnpnMWFmMjloemh6RFRqM3ZoWGt2TFM1RXNuZjV0LTBTdkx3Z3J2RjNnWDV4V0k5eVhnQUlodXVGd0lYTUZmOXZuWHBwUnZiVmVrVS1oMA&amp;q=https%3A%2F%2Fbit.ly%2F3cEP4n6&amp;v=vqDwZY7HkCU">https://bit.ly/3cEP4n6</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6047a51c-c802-11ed-84c0-f39b58b0799f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9965760064.mp3?updated=1680637054" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Stepson Keeps Asking Me for Money To Pay His Bills! (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Moving after having just started a new job, 

"My stepson keeps asking me for money to pay his bills,"

"Should we use a cash balanced pension?"

"Can I quit-claim deed my timeshare?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Apr 2023 21:39:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Moving after having just started a new job, 

"My stepson keeps asking me for money to pay his bills,"

"Should we use a cash balanced pension?"

"Can I quit-claim deed my timeshare?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Moving after having just started a new job, </li>
<li>"My stepson keeps asking me for money to pay his bills,"</li>
<li>"Should we use a cash balanced pension?"</li>
<li>"Can I quit-claim deed my timeshare?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4403ee36-c813-11ed-a3ba-b7e68fe90515]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4066753231.mp3?updated=1680557917" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Income Is Your Greatest Wealth-Building Tool (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I'm hesitant to go into the family business..."

"Should I move my 401(k) to a Roth?"

Whether or not to pause tithing while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Apr 2023 20:41:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I'm hesitant to go into the family business..."

"Should I move my 401(k) to a Roth?"

Whether or not to pause tithing while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"I'm hesitant to go into the family business..."</li>
<li>"Should I move my 401(k) to a Roth?"</li>
<li>Whether or not to pause tithing while paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2537</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[054d7406-c812-11ed-ad92-97f8c41f3f58]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5933310903.mp3?updated=1680554093" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is What Comes From Participation Trophy Culture! (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Should we purchase rental property?" 

"How can I budget on irregular income when I'm young?"

"I have more money in the bank than FDIC covers"

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers,

Teaching kids about money,

What to do with an inheritance,

from the blog: What to Do With an Inheritance,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Apr 2023 20:26:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"Should we purchase rental property?" 

"How can I budget on irregular income when I'm young?"

"I have more money in the bank than FDIC covers"

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers,

Teaching kids about money,

What to do with an inheritance,

from the blog: What to Do With an Inheritance,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Should we purchase rental property?" </li>
<li>"How can I budget on irregular income when I'm young?"</li>
<li>"I have more money in the bank than FDIC covers"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/what-is-the-fdic?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers</a>,</li>
<li>Teaching kids about money,</li>
<li>What to do with an inheritance,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/what-to-do-inheritance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do With an Inheritance</a>,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[60337ccc-c802-11ed-84c0-f7ffdbdf279b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9995092008.mp3?updated=1680553010" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Husband Is Secretly Using Our Savings for Drugs (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"My husband has been secretly spending our emergency fund on drugs...",

What the FDIC means for the average person,

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers,

"Should I keep dating a guy who has a lot of debt?"

Shifting from intensity to intentionality.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 31 Mar 2023 21:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"My husband has been secretly spending our emergency fund on drugs...",

What the FDIC means for the average person,

from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers,

"Should I keep dating a guy who has a lot of debt?"

Shifting from intensity to intentionality.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My husband has been secretly spending our emergency fund on drugs...",</li>
<li>What the FDIC means for the average person,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/what-is-the-fdic?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers</a>,</li>
<li>"Should I keep dating a guy who has a lot of debt?"</li>
<li>Shifting from intensity to intentionality.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d528e9dc-b78a-11ed-b6c3-235997c83393]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4422013931.mp3?updated=1680298507" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need To Get Your Butt in Gear! (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Should I file for bankruptcy?"

"I got a car lease from my parents - should I keep it?"

"Does a company match count toward my 15%?"

from the blog: Should I Take My 401(k) Company Match?


Saving for a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 31 Mar 2023 20:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Should I file for bankruptcy?"

"I got a car lease from my parents - should I keep it?"

"Does a company match count toward my 15%?"

from the blog: Should I Take My 401(k) Company Match?


Saving for a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I file for bankruptcy?"</li>
<li>"I got a car lease from my parents - should I keep it?"</li>
<li>"Does a company match count toward my 15%?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/401k-company-match?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Take My 401(k) Company Match?</a>
</li>
<li>Saving for a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9672574-b789-11ed-95a4-33bb3b61057e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2012520903.mp3?updated=1680294968" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ramsey Rant: Apple Is Becoming a Digital Payday Lender! (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Balancing part-time work, a mountain of debt, and pursuing a dream career

"Apple Pay Later" and why Apple doesn't give a rip about your financial health.

from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet,

"We have buyer's remorse after buying our house"

"How much should we spend on a car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 31 Mar 2023 19:38:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Balancing part-time work, a mountain of debt, and pursuing a dream career

"Apple Pay Later" and why Apple doesn't give a rip about your financial health.

from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet,

"We have buyer's remorse after buying our house"

"How much should we spend on a car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Balancing part-time work, a mountain of debt, and pursuing a dream career</li>
<li>"Apple Pay Later" and why Apple doesn't give a rip about your financial health.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/digital-installment-plans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet</a>,</li>
<li>"We have buyer's remorse after buying our house"</li>
<li>"How much should we spend on a car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e4e4f110-b788-11ed-9da3-bb5ea3d74eba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9105456942.mp3?updated=1680291400" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy Land Right Now? (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"Should we buy land for our son and leave it to him in the future?"

Investing as a recent college graduate,

"Should we file bankruptcy?"

"How should I invest $20k?"

"Is college worth it for me?"

Working with a spouse on the budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 30 Mar 2023 21:38:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"Should we buy land for our son and leave it to him in the future?"

Investing as a recent college graduate,

"Should we file bankruptcy?"

"How should I invest $20k?"

"Is college worth it for me?"

Working with a spouse on the budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should we buy land for our son and leave it to him in the future?"</li>
<li>Investing as a recent college graduate,</li>
<li>"Should we file bankruptcy?"</li>
<li>"How should I invest $20k?"</li>
<li>"Is college worth it for me?"</li>
<li>Working with a spouse on the budget.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d514a2ba-b78a-11ed-b6c3-4b5683ccaa28]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3223313785.mp3?updated=1680212328" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pull From My 401(k) To Pay Off My House? (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"Should I pull from my 401(k) to pay off my house?"

"Is it financially safe for me to retire?"

"Should I stay in the military?"

"How big should my emergency fund be?"


Support Our Sponsor:

PODS Moving &amp; Storage

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 30 Mar 2023 20:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"Should I pull from my 401(k) to pay off my house?"

"Is it financially safe for me to retire?"

"Should I stay in the military?"

"How big should my emergency fund be?"


Support Our Sponsor:

PODS Moving &amp; Storage

Neighborly


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should I pull from my 401(k) to pay off my house?"</li>
<li>"Is it financially safe for me to retire?"</li>
<li>"Should I stay in the military?"</li>
<li>"How big should my emergency fund be?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul>
<li><a href="https://www.pods.com/ramsey?&amp;utm_medium=paid_referral&amp;utm_source=ramsey&amp;utm_campaign=lead_gen">PODS Moving &amp; Storage</a></li>
<li><a href="https://www.neighborly.com/">Neighborly</a></li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2525</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9525fea-b789-11ed-95a4-2b2d6ac2304c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3122535191.mp3?updated=1680208431" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Boyfriend Co-Signed on His Ex-Girlfriend’s Student Loans (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"My boyfriend co-signed on his ex-girlfriend's student loans", 

"Should I buy solar panels so I can own my own electricity?"

Paying off a vehicle,

"Should I wait for the housing market to cool?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 30 Mar 2023 19:33:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

"My boyfriend co-signed on his ex-girlfriend's student loans", 

"Should I buy solar panels so I can own my own electricity?"

Paying off a vehicle,

"Should I wait for the housing market to cool?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"My boyfriend co-signed on his ex-girlfriend's student loans", </li>
<li>"Should I buy solar panels so I can own my own electricity?"</li>
<li>Paying off a vehicle,</li>
<li>"Should I wait for the housing market to cool?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e4cfa3c8-b788-11ed-9da3-0fd96b8693ab]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8657734734.mp3?updated=1680204725" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’ll Never Succeed if You Can’t Build Trust (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

 Dr. Henry Cloud on Trust: Knowing When to Give It, When to Withhold It, How to Earn It, and How to Fix It When It Gets Broken,

"How do I get my money on track as I'm expecting my first child?"

"Should I pull from my Roth IRA to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 29 Mar 2023 21:34:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

 Dr. Henry Cloud on Trust: Knowing When to Give It, When to Withhold It, How to Earn It, and How to Fix It When It Gets Broken,

"How do I get my money on track as I'm expecting my first child?"

"Should I pull from my Roth IRA to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li> Dr. Henry Cloud on <a href="https://www.amazon.com/Trust-Knowing-When-Withhold-Broken/dp/1546003371"><em>Trust: Knowing When to Give It, When to Withhold It, How to Earn It, and How to Fix It When It Gets Broken</em></a>,</li>
<li>"How do I get my money on track as I'm expecting my first child?"</li>
<li>"Should I pull from my Roth IRA to pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d501930a-b78a-11ed-b6c3-c380b8dc7d98]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3932930687.mp3?updated=1680125636" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>NEVER Say These Things to Your Spouse About Money (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

What to do when you're underwater on your car,

from the blog: How to Get Out of a Car Loan,

How to get on the same page as your spouse (and 10 things you should NEVER say),

from the blog: How to Talk to Your Spouse About Money,

"Should I contribute less to retirement to save up for a house?"

Budgeting on an irregular income,

"Did I mess up by paying off my house too early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 29 Mar 2023 20:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

What to do when you're underwater on your car,

from the blog: How to Get Out of a Car Loan,

How to get on the same page as your spouse (and 10 things you should NEVER say),

from the blog: How to Talk to Your Spouse About Money,

"Should I contribute less to retirement to save up for a house?"

Budgeting on an irregular income,

"Did I mess up by paying off my house too early?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>What to do when you're underwater on your car,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/dont-let-your-car-loan-own-you?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of a Car Loan</a>,</li>
<li>How to get on the same page as your spouse (and 10 things you should NEVER say),</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/relationships/3-ways-to-get-spouse-on-board-financially?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Talk to Your Spouse About Money</a>,</li>
<li>"Should I contribute less to retirement to save up for a house?"</li>
<li>Budgeting on an irregular income,</li>
<li>"Did I mess up by paying off my house too early?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c93e340c-b789-11ed-95a4-b332d9d05a1a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1745108060.mp3?updated=1680122412" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Catch Up on Investing if I Started Late? (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

"Should we stay in a paid for townhome?"

"I feel like I'm behind on investing" 

from the blog: Fastest Ways to Catch Up on Your Retirement Savings,

"Should we still sell our house?"

Being a blessing to your kids vs. enabling them,

How to use a large life insurance payout.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 29 Mar 2023 19:42:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:

"Should we stay in a paid for townhome?"

"I feel like I'm behind on investing" 

from the blog: Fastest Ways to Catch Up on Your Retirement Savings,

"Should we still sell our house?"

Being a blessing to your kids vs. enabling them,

How to use a large life insurance payout.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should we stay in a paid for townhome?"</li>
<li>"I feel like I'm behind on investing" </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/can-you-really-catch-up-on-retirement-savings?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Fastest Ways to Catch Up on Your Retirement Savings</a>,</li>
<li>"Should we still sell our house?"</li>
<li>Being a blessing to your kids vs. enabling them,</li>
<li>How to use a large life insurance payout.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2580</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e4ba0a54-b788-11ed-9da3-df9bfebc7d85]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4010168225.mp3?updated=1680122431" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You're Wealthy Broke People! You Know This Is Insane (Hour 3)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

How much money you can afford for kids activities,

Why borrowing money from friends and family will ruin your relationships,

What to do when your spouse won't talk to you about debt and finances,

from the blog: How To Talk To Your Spouse About Money


Crazy ways to get money to save money and pay off debt,

from the blog: 27 Side Hustle Ideas to Earn Extra Money


Focusing on the Baby Steps to do them in the right order,

How to decide between staying close to family or moving across the country for a job,

What to do when you hate your job but it's paying for college,

from the blog: What to Do If You Hate Your Job



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Mar 2023 21:41:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

How much money you can afford for kids activities,

Why borrowing money from friends and family will ruin your relationships,

What to do when your spouse won't talk to you about debt and finances,

from the blog: How To Talk To Your Spouse About Money


Crazy ways to get money to save money and pay off debt,

from the blog: 27 Side Hustle Ideas to Earn Extra Money


Focusing on the Baby Steps to do them in the right order,

How to decide between staying close to family or moving across the country for a job,

What to do when you hate your job but it's paying for college,

from the blog: What to Do If You Hate Your Job



Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li>How much money you can afford for kids activities,</li>
<li>Why borrowing money from friends and family will ruin your relationships,</li>
<li>What to do when your spouse won't talk to you about debt and finances,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/3-ways-to-get-spouse-on-board-financially?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Talk To Your Spouse About Money</a>
</li>
<li>Crazy ways to get money to save money and pay off debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/side-hustle-ideas?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">27 Side Hustle Ideas to Earn Extra Money</a>
</li>
<li>Focusing on the Baby Steps to do them in the right order,</li>
<li>How to decide between staying close to family or moving across the country for a job,</li>
<li>What to do when you hate your job but it's paying for college,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/i-hate-my-job?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do If You Hate Your Job</a>
</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4ee95de-b78a-11ed-b6c3-0bd64261c32d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9417128483.mp3?updated=1680039578" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Went Into Debt And I Never Want To Do It Again! (Hour 2)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

The best ways to be saving money,

from the blog: How Much Should I Have In Savings?


"Should we pay off our car before our baby arrives?",

from the blog: When to Pause Your Debt Snowball


What to do when you're starting at "Baby Step Zero",

from the blog: 4 Things You Must Include In Your Budget


How to prioritize a mortgage and investing when managing health crises,

How being out of debt will set you ahead and bring you peace when it seems like the world is falling apart.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Mar 2023 20:33:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

The best ways to be saving money,

from the blog: How Much Should I Have In Savings?


"Should we pay off our car before our baby arrives?",

from the blog: When to Pause Your Debt Snowball


What to do when you're starting at "Baby Step Zero",

from the blog: 4 Things You Must Include In Your Budget


How to prioritize a mortgage and investing when managing health crises,

How being out of debt will set you ahead and bring you peace when it seems like the world is falling apart.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li>The best ways to be saving money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/banking/how-much-should-i-have-in-savings?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much Should I Have In Savings?</a>
</li>
<li>"Should we pay off our car before our baby arrives?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When to Pause Your Debt Snowball</a>
</li>
<li>What to do when you're starting at "Baby Step Zero",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/4-things-you-must-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">4 Things You Must Include In Your Budget</a>
</li>
<li>How to prioritize a mortgage and investing when managing health crises,</li>
<li>How being out of debt will set you ahead and bring you peace when it seems like the world is falling apart.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c92a95f0-b789-11ed-95a4-2b761af241e8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4573256773.mp3?updated=1680035727" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Husband Chose His Mom Over You! (Why Is She Not In Jail?!) (Hour 1)</title>
      <description>Jade Warshaw &amp; John Delony answer your questions and discuss:

A mother-in-law that stole $300k from her sons inheritance,

How rising interest rates and consumer debt is creating an "ugly stew" for American's,

from the blog: State of Personal Finance: Trends for 2023


What to do with extra income in Baby Steps 4-6,

How long you should rent before buying a house,

from the blog: Should I Rent or Buy a House?


How to get back on the plan after having a baby,

from the blog: How to Win With Money in 7 Baby Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Mar 2023 19:35:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; John Delony answer your questions and discuss:

A mother-in-law that stole $300k from her sons inheritance,

How rising interest rates and consumer debt is creating an "ugly stew" for American's,

from the blog: State of Personal Finance: Trends for 2023


What to do with extra income in Baby Steps 4-6,

How long you should rent before buying a house,

from the blog: Should I Rent or Buy a House?


How to get back on the plan after having a baby,

from the blog: How to Win With Money in 7 Baby Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; John Delony answer your questions and discuss:</p><ul>
<li>A mother-in-law that stole $300k from her sons inheritance,</li>
<li>How rising interest rates and consumer debt is creating an "ugly stew" for American's,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/company/newsroom/releases/state-of-personal-finance-trends-for-2023?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">State of Personal Finance: Trends for 2023</a>
</li>
<li>What to do with extra income in Baby Steps 4-6,</li>
<li>How long you should rent before buying a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>How to get back on the plan after having a baby,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-win-with-money-in-7-easy-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Win With Money in 7 Baby Steps</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e4a5206c-b788-11ed-9da3-6f362ea82384]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8728239625.mp3?updated=1680032159" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is a Relational and Financial Nightmare! (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

"Should I buy a house with my brother or with my fiancé?"

Using savings to pay off the house,

"What should I do after selling my business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Mar 2023 21:37:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

"Should I buy a house with my brother or with my fiancé?"

Using savings to pay off the house,

"What should I do after selling my business?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I buy a house with my brother or with my fiancé?"</li>
<li>Using savings to pay off the house,</li>
<li>"What should I do after selling my business?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4db32c8-b78a-11ed-b6c3-234888dc7863]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7898362414.mp3?updated=1679953172" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What if the Value of the US Dollar Collapses? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

What happens if the US loses its world reserve currency status?

Picking up a second job,

"Should I cut back on overtime so I can be home more with my family?"

Focusing on paying off the mortgage,

from the blog: How to Pay Off Your Mortgage Early,

"Should I take out a life insurance policy for my mom?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Mar 2023 20:59:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

What happens if the US loses its world reserve currency status?

Picking up a second job,

"Should I cut back on overtime so I can be home more with my family?"

Focusing on paying off the mortgage,

from the blog: How to Pay Off Your Mortgage Early,

"Should I take out a life insurance policy for my mom?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>What happens if the US loses its world reserve currency status?</li>
<li>Picking up a second job,</li>
<li>"Should I cut back on overtime so I can be home more with my family?"</li>
<li>Focusing on paying off the mortgage,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>,</li>
<li>"Should I take out a life insurance policy for my mom?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9149700-b789-11ed-95a4-1f87d2e685eb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1663055549.mp3?updated=1679949259" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Investments Keep Losing Money… What Should We Do? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

Investing at a young age to take advantage of compound interest,

from the blog: How Teens Can Become Millionaires,

"Our investments keep losing money... what should we do?"

from the blog: How to Avoid Costly Mistakes When the Market Is Down,

Putting your financial "oxygen mask" on first before saving for the kids,

"How should I pay taxes that I owe?"

Saving for a home repair while expecting a baby.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Mar 2023 20:33:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

Investing at a young age to take advantage of compound interest,

from the blog: How Teens Can Become Millionaires,

"Our investments keep losing money... what should we do?"

from the blog: How to Avoid Costly Mistakes When the Market Is Down,

Putting your financial "oxygen mask" on first before saving for the kids,

"How should I pay taxes that I owe?"

Saving for a home repair while expecting a baby.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Investing at a young age to take advantage of compound interest,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-teens-can-become-millionaires?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Teens Can Become Millionaires</a>,</li>
<li>"Our investments keep losing money... what should we do?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-avoid-costly-mistakes-when-market-is-down?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Avoid Costly Mistakes When the Market Is Down</a>,</li>
<li>Putting your financial "oxygen mask" on first before saving for the kids,</li>
<li>"How should I pay taxes that I owe?"</li>
<li>Saving for a home repair while expecting a baby.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e48fcdac-b788-11ed-9da3-c36b3940dae5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3575691958.mp3?updated=1679948567" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is What Happens When the Government Tries To “Help” (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

How the Fed is screwing up the economy,

"I moved in with my boyfriend and then we broke up",

"My wife and I disagree about taking a trip for work",

Investing vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Mar 2023 21:42:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

How the Fed is screwing up the economy,

"I moved in with my boyfriend and then we broke up",

"My wife and I disagree about taking a trip for work",

Investing vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>How the Fed is screwing up the economy,</li>
<li>"I moved in with my boyfriend and then we broke up",</li>
<li>"My wife and I disagree about taking a trip for work",</li>
<li>Investing vs. paying off the house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4c89820-b78a-11ed-b6c3-7f777a491fef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9515203234.mp3?updated=1679693930" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Use My Savings To Pay Off Debt? (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

How you can get 4 meals for $43,

"Should I use my savings to pay off my student loans?"

Starting a part-time business to pay off debt,

Getting out of an upside down vehicle.

from the blog: How to Get Out of an Upside-Down Car Loan



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Mar 2023 20:50:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

How you can get 4 meals for $43,

"Should I use my savings to pay off my student loans?"

Starting a part-time business to pay off debt,

Getting out of an upside down vehicle.

from the blog: How to Get Out of an Upside-Down Car Loan



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>How you can get 4 meals for $43,</li>
<li>"Should I use my savings to pay off my student loans?"</li>
<li>Starting a part-time business to pay off debt,</li>
<li>Getting out of an upside down vehicle.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-sell-an-upside-down-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of an Upside-Down Car Loan</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2522</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8fed8a2-b789-11ed-95a4-a7d4391381fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5788190851.mp3?updated=1679690452" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Help! I Keep Going Back Into Debt… (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

Investing vs. saving for a down payment,

"Help me get out of the cycle of debt"

from the blog: Do This First If You Want to Get Out of Debt,

Paying the bills after a layoff,

"Sell our property on a payment plan?"

Should I use savings to pay off my house?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Mar 2023 20:32:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:

Investing vs. saving for a down payment,

"Help me get out of the cycle of debt"

from the blog: Do This First If You Want to Get Out of Debt,

Paying the bills after a layoff,

"Sell our property on a payment plan?"

Should I use savings to pay off my house?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Investing vs. saving for a down payment,</li>
<li>"Help me get out of the cycle of debt"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/first-step-to-get-out-of-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Do This First If You Want to Get Out of Debt</a>,</li>
<li>Paying the bills after a layoff,</li>
<li>"Sell our property on a payment plan?"</li>
<li>Should I use savings to pay off my house?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e47bf23c-b788-11ed-9da3-6b46be30cd4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8705231953.mp3?updated=1679689608" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>He Has $100K in Debt and Wants To Buy a New Tesla… (Hour 3)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"My boyfriend has over $100k in debt and now he wants to buy a new Tesla",

"I owe my ex-wife money...",

"Should I cancel credit cards as they're paid off?"

How to use extra money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Mar 2023 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"My boyfriend has over $100k in debt and now he wants to buy a new Tesla",

"I owe my ex-wife money...",

"Should I cancel credit cards as they're paid off?"

How to use extra money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My boyfriend has over $100k in debt and now he wants to buy a new Tesla",</li>
<li>"I owe my ex-wife money...",</li>
<li>"Should I cancel credit cards as they're paid off?"</li>
<li>How to use extra money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4b5644e-b78a-11ed-b6c3-37488d6d776b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9699215944.mp3?updated=1679607279" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>FOOD: Saving Money on the #1 Budget Buster (Hour 2)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

Ken and Jade do a taste test comparing generic and name brand food to save money on groceries,

8 Meal Planning Rules,

Saving for retirement to pay off debt,

"Should I push my spouse to choose a new career?"

Get Clear Career Assessment

"Can we finally afford to buy a house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Mar 2023 20:45:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

Ken and Jade do a taste test comparing generic and name brand food to save money on groceries,

8 Meal Planning Rules,

Saving for retirement to pay off debt,

"Should I push my spouse to choose a new career?"

Get Clear Career Assessment

"Can we finally afford to buy a house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Ken and Jade do a taste test comparing generic and name brand food to save money on groceries,</li>
<li>8 Meal Planning Rules,</li>
<li>Saving for retirement to pay off debt,</li>
<li>"Should I push my spouse to choose a new career?"</li>
<li class="ql-indent-1"><a href="https://www.ramseysolutions.com/store/digital-products/get-clear-career-assessment?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Get Clear Career Assessment</a></li>
<li>"Can we finally afford to buy a house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8eb1d76-b789-11ed-95a4-773ff3fd7e08]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4809561970.mp3?updated=1679603936" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is the Real Madness of March (Hour 1)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

March Madness through the lens of college tuition,

"Should I buy my wife a truck?"

"Is this a scam?"

Paying down debt after a layoff,

"Should we take 6 months off work to travel?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Mar 2023 19:42:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

March Madness through the lens of college tuition,

"Should I buy my wife a truck?"

"Is this a scam?"

Paying down debt after a layoff,

"Should we take 6 months off work to travel?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>March Madness through the lens of college tuition,</li>
<li>"Should I buy my wife a truck?"</li>
<li>"Is this a scam?"</li>
<li>Paying down debt after a layoff,</li>
<li>"Should we take 6 months off work to travel?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e46763e4-b788-11ed-9da3-7f0fdb55bef3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6219544275.mp3?updated=1679600376" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Meet the Millionaire Toilet Scrubber! (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze interview millionaires to find out how they built wealth!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Mar 2023 21:35:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze interview millionaires to find out how they built wealth!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze interview millionaires to find out how they built wealth!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4a19a72-b78a-11ed-b6c3-3f819aa05c22]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1281061505.mp3?updated=1679520912" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest in Gold in Case the Economy Collapses? (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Buying a replacement vehicle after a wreck,

Investing in gold in case of an economic collapse,

from the blog: Why Investing in Precious Metals Is a Bad Idea,

"Should we sell some of our rentals?"

Buying a family business,

Why personal finance is more personal than finance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Mar 2023 20:51:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

Buying a replacement vehicle after a wreck,

Investing in gold in case of an economic collapse,

from the blog: Why Investing in Precious Metals Is a Bad Idea,

"Should we sell some of our rentals?"

Buying a family business,

Why personal finance is more personal than finance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Buying a replacement vehicle after a wreck,</li>
<li>Investing in gold in case of an economic collapse,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/investing-in-precious-metals?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Investing in Precious Metals Is a Bad Idea</a>,</li>
<li>"Should we sell some of our rentals?"</li>
<li>Buying a family business,</li>
<li>Why personal finance is more personal than finance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8d711e6-b789-11ed-95a4-136c6eb86b51]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8725665759.mp3?updated=1679517947" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is the Fastest Way To Pay Off Wealth (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

How aggressively to pay down a car loan,

Managing unexpected medical bills,

"Should I move to a higher paying job if it changes benefits?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Mar 2023 19:40:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:

How aggressively to pay down a car loan,

Managing unexpected medical bills,

"Should I move to a higher paying job if it changes benefits?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>How aggressively to pay down a car loan,</li>
<li>Managing unexpected medical bills,</li>
<li>"Should I move to a higher paying job if it changes benefits?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e451f8ec-b788-11ed-9da3-c70612e8103b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6565725103.mp3?updated=1679513877" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need a Lawyer To Put the Fear of God in Your Renters (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"What do we do with our money during a sabbatical?"

What to do when your renters stop paying rent,

The best way to save up for a rental property,

Transferring mutual funds when employer switches 401(k) plans,

"Should I take out small loans to boost my credit score?"

from the blog: The Best Way to Improve Your Credit Score



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Mar 2023 21:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"What do we do with our money during a sabbatical?"

What to do when your renters stop paying rent,

The best way to save up for a rental property,

Transferring mutual funds when employer switches 401(k) plans,

"Should I take out small loans to boost my credit score?"

from the blog: The Best Way to Improve Your Credit Score



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"What do we do with our money during a sabbatical?"</li>
<li>What to do when your renters stop paying rent,</li>
<li>The best way to save up for a rental property,</li>
<li>Transferring mutual funds when employer switches 401(k) plans,</li>
<li>"Should I take out small loans to boost my credit score?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/the-number-one-way-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Best Way to Improve Your Credit Score</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2491</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d48e0d0e-b78a-11ed-b6c3-f72bf4c4fe24]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1528664489.mp3?updated=1679434644" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Trying To Trick Your Way Out of Debt! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Following a proven plan vs. "your plan", 

Should I do a HELOC,

from the blog: HELOC: What Is a Home Equity Line of Credit?


"Should we pay off our house or invest instead?"

What to do with a rental property (and the Sunk Cost Fallacy explained), 

Handling an inherited IRA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Mar 2023 20:45:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Following a proven plan vs. "your plan", 

Should I do a HELOC,

from the blog: HELOC: What Is a Home Equity Line of Credit?


"Should we pay off our house or invest instead?"

What to do with a rental property (and the Sunk Cost Fallacy explained), 

Handling an inherited IRA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Following a proven plan vs. "your plan", </li>
<li>Should I do a HELOC,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/home-equity-line-of-credit?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">HELOC: What Is a Home Equity Line of Credit?</a>
</li>
<li>"Should we pay off our house or invest instead?"</li>
<li>What to do with a rental property (and the Sunk Cost Fallacy explained), </li>
<li>Handling an inherited IRA.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8c373ca-b789-11ed-95a4-07d068e8c343]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9863297084.mp3?updated=1679431182" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is What the Life of a Hustler Looks Like (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I pause paying off debt to buy a car?"

from the blog: How to Buy a Used Car Right Now,

Whole life vs. Term Insurance,

 from the blog: What Is Term Life Insurance?


Saving for retirement vs. paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Mar 2023 19:42:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Can I pause paying off debt to buy a car?"

from the blog: How to Buy a Used Car Right Now,

Whole life vs. Term Insurance,

 from the blog: What Is Term Life Insurance?


Saving for retirement vs. paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Can I pause paying off debt to buy a car?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-buy-a-used-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a Used Car Right Now</a>,</li>
<li>Whole life vs. Term Insurance,</li>
<li class="ql-indent-1"> from the blog: <a href="https://www.ramseysolutions.com/insurance/what-is-term-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Term Life Insurance?</a>
</li>
<li>Saving for retirement vs. paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e43d3722-b788-11ed-9da3-5bb5f4c95c6e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2097365442.mp3?updated=1679427380" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Leave the Cave, Kill Something, and Drag It Home! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do with a whole life policy,

from the blog: What Is Whole Life Insurance?


"Should I keep paying off debt after being laid off?"

"How do I best invest an inheritance?"

"My husband wants to wait for student loan forgiveness"

from the blog: Student Loan Forgiveness



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Mar 2023 21:36:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do with a whole life policy,

from the blog: What Is Whole Life Insurance?


"Should I keep paying off debt after being laid off?"

"How do I best invest an inheritance?"

"My husband wants to wait for student loan forgiveness"

from the blog: Student Loan Forgiveness



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to do with a whole life policy,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/whole-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Whole Life Insurance?</a>
</li>
<li>"Should I keep paying off debt after being laid off?"</li>
<li>"How do I best invest an inheritance?"</li>
<li>"My husband wants to wait for student loan forgiveness"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/student-loan-debt-guide/student-loan-forgiveness?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Student Loan Forgiveness</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4793d20-b78a-11ed-b6c3-2742484767f1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5267270811.mp3?updated=1679347922" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Desperation Leads to Stupidity Which Leads to Being Broke (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Why you should stay away from viaticals,

Using savings to pay off rentals,

"Should I use my emergency fund to pay off my car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Mar 2023 20:48:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

Why you should stay away from viaticals,

Using savings to pay off rentals,

"Should I use my emergency fund to pay off my car?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Why you should stay away from viaticals,</li>
<li>Using savings to pay off rentals,</li>
<li>"Should I use my emergency fund to pay off my car?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2535</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8b12f26-b789-11ed-95a4-0f476340b666]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6456887023.mp3?updated=1679345050" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There Are STILL Smart People in America! (Just Not in Washington) (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

How do I get to 15% if I'm already maxing out my 401(k) and Roth? 

from the blog: Why Should I Invest 15% of My Income for Retirement?


Selling a lake house to pay off the primary home,

Setting up an estate plan for a tricky family situation,

What to do with a settlement,

"My husband wants to buy an AirBnB w/ a HELOC",

Looking for another career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Mar 2023 19:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

How do I get to 15% if I'm already maxing out my 401(k) and Roth? 

from the blog: Why Should I Invest 15% of My Income for Retirement?


Selling a lake house to pay off the primary home,

Setting up an estate plan for a tricky family situation,

What to do with a settlement,

"My husband wants to buy an AirBnB w/ a HELOC",

Looking for another career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>How do I get to 15% if I'm already maxing out my 401(k) and Roth? </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/why-should-i-invest-15-of-my-income-for-retirement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Should I Invest 15% of My Income for Retirement?</a>
</li>
<li>Selling a lake house to pay off the primary home,</li>
<li>Setting up an estate plan for a tricky family situation,</li>
<li>What to do with a settlement,</li>
<li>"My husband wants to buy an AirBnB w/ a HELOC",</li>
<li>Looking for another career.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2488</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e42771e4-b788-11ed-9da3-3315ae239955]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3688584087.mp3?updated=1679341200" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Money Will Solve All Your Problems? (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

Can money buy happiness?

Transitioning from intensity to intentionality

"Is it selfish if I feel stuck as a stay-at-home mom?"

"Should I sell my house after moving for work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Mar 2023 21:35:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

Can money buy happiness?

Transitioning from intensity to intentionality

"Is it selfish if I feel stuck as a stay-at-home mom?"

"Should I sell my house after moving for work?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Can money buy happiness?</li>
<li>Transitioning from intensity to intentionality</li>
<li>"Is it selfish if I feel stuck as a stay-at-home mom?"</li>
<li>"Should I sell my house after moving for work?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2489</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d46463d2-b78a-11ed-b6c3-6fc9afeb90f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2120515172.mp3?updated=1679088970" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Dirty Little Secret Behind Credit Card Rewards (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I save up for a down payment or pay for a house in cash?"

The truth behind credit card reward points,

"How do I best prepare for my future family?"

"I have $230k in undergrad student loan debt",

"I'm having a hard time emptying our savings to pay off debts"

"We have rental properties but no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Mar 2023 20:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

"Should I save up for a down payment or pay for a house in cash?"

The truth behind credit card reward points,

"How do I best prepare for my future family?"

"I have $230k in undergrad student loan debt",

"I'm having a hard time emptying our savings to pay off debts"

"We have rental properties but no retirement"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I save up for a down payment or pay for a house in cash?"</li>
<li>The truth behind credit card reward points,</li>
<li>"How do I best prepare for my future family?"</li>
<li>"I have $230k in undergrad student loan debt",</li>
<li>"I'm having a hard time emptying our savings to pay off debts"</li>
<li>"We have rental properties but no retirement"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c89e098c-b789-11ed-95a4-8b0e634eaa82]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6563567690.mp3?updated=1679085305" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Delony Rant: This Is an Insane Way To Live! (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel answer your questions and discuss:

Looking for a new career while paying off debt,

What to do with bills in collections,

from the blog: How to Pay Off Collections,

"Should I sell my house to pay off debt?"

from the blog: Should You Sell Your Home to Knock Out Debt?


"Protecting your family when you're uninsurable"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Mar 2023 19:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel answer your questions and discuss:

Looking for a new career while paying off debt,

What to do with bills in collections,

from the blog: How to Pay Off Collections,

"Should I sell my house to pay off debt?"

from the blog: Should You Sell Your Home to Knock Out Debt?


"Protecting your family when you're uninsurable"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Looking for a new career while paying off debt,</li>
<li>What to do with bills in collections,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-collections?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Collections</a>,</li>
<li>"Should I sell my house to pay off debt?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/should-you-sell-your-home-to-knock-out-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should You Sell Your Home to Knock Out Debt?</a>
</li>
<li>"Protecting your family when you're uninsurable"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2491</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e411612e-b788-11ed-9da3-4f460e58fc7d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6744909400.mp3?updated=1679081552" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>No More Excuses, You’ve Gotta Make a Change! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost half my income and I'm behind on debts",

"Do HSAs count toward Baby Step 4?"

from the blog: How to Make the Most of Your HSA Investment,

What to do with savings after marriage?

Investing vs. paying off the home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Mar 2023 21:56:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost half my income and I'm behind on debts",

"Do HSAs count toward Baby Step 4?"

from the blog: How to Make the Most of Your HSA Investment,

What to do with savings after marriage?

Investing vs. paying off the home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I lost half my income and I'm behind on debts",</li>
<li>"Do HSAs count toward Baby Step 4?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/hsa-investment?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make the Most of Your HSA Investment</a>,</li>
<li>What to do with savings after marriage?</li>
<li>Investing vs. paying off the home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d44fd462-b78a-11ed-b6c3-578a7bbbf3e7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4664832168.mp3?updated=1679002656" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There’s No Such Thing as a “Forever Home” (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Our debt is worse than we thought it was..."

"Should we pay off our mortgage or save for a dream home?"

"My ex-wife's student loans are in collections",

"Sell one rental property to pay off the other?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Mar 2023 20:34:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Our debt is worse than we thought it was..."

"Should we pay off our mortgage or save for a dream home?"

"My ex-wife's student loans are in collections",

"Sell one rental property to pay off the other?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Our debt is worse than we thought it was..."</li>
<li>"Should we pay off our mortgage or save for a dream home?"</li>
<li>"My ex-wife's student loans are in collections",</li>
<li>"Sell one rental property to pay off the other?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c88aad42-b789-11ed-95a4-e70d5fb7a477]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6372282577.mp3?updated=1678998806" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Financial Peace Turns Emergencies Into Inconveniences (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Your plan kept us safe from the SVB collapse",

What to do with an old 529,

"I owe $3 million on my rental properties..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Mar 2023 19:30:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Your plan kept us safe from the SVB collapse",

What to do with an old 529,

"I owe $3 million on my rental properties..."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Your plan kept us safe from the SVB collapse",</li>
<li>What to do with an old 529,</li>
<li>"I owe $3 million on my rental properties..."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3fac392-b788-11ed-9da3-0fd2ae177fe7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2862660405.mp3?updated=1678995145" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Making Financial Decisions When Under Stress (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

How to manage an inherited estate,

What to do with a large financial gift,

"Should I pay off my house or buy a rental?"

Using savings to pay off student loans,

"My kids are having a hard time after a move"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Mar 2023 21:32:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

How to manage an inherited estate,

What to do with a large financial gift,

"Should I pay off my house or buy a rental?"

Using savings to pay off student loans,

"My kids are having a hard time after a move"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>How to manage an inherited estate,</li>
<li>What to do with a large financial gift,</li>
<li>"Should I pay off my house or buy a rental?"</li>
<li>Using savings to pay off student loans,</li>
<li>"My kids are having a hard time after a move"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d43b5f46-b78a-11ed-b6c3-dfce1de51f7a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9988248320.mp3?updated=1678916016" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Nickel and Dime Your Way Into Marriage (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I allow finances to stop our marriage plans?"

"Should I allow my dad to be my financial advisor?"

Is the $1000k emergency fund reasonable?

from the blog: Is a $1,000 Emergency Fund Enough?


"I can't get my wife on board with the Baby Steps",

"My husband refuses to get life insurance",

What to do with an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Mar 2023 21:06:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"Should I allow finances to stop our marriage plans?"

"Should I allow my dad to be my financial advisor?"

Is the $1000k emergency fund reasonable?

from the blog: Is a $1,000 Emergency Fund Enough?


"I can't get my wife on board with the Baby Steps",

"My husband refuses to get life insurance",

What to do with an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I allow finances to stop our marriage plans?"</li>
<li>"Should I allow my dad to be my financial advisor?"</li>
<li>Is the $1000k emergency fund reasonable?</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/is-starter-emergency-fund-enough?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is a $1,000 Emergency Fund Enough?</a>
</li>
<li>"I can't get my wife on board with the Baby Steps",</li>
<li>"My husband refuses to get life insurance",</li>
<li>What to do with an inheritance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8780188-b789-11ed-95a4-37da68e905f9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5945329015.mp3?updated=1678914440" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Paint or Get off the Ladder! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"I'm running out of money to fight for custody", 

"When should I pay off the house?"

Financially planning for a baby,

from the blog: Having a Baby? Don't Forget These Expenses



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Mar 2023 20:47:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:

"I'm running out of money to fight for custody", 

"When should I pay off the house?"

Financially planning for a baby,

from the blog: Having a Baby? Don't Forget These Expenses



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"I'm running out of money to fight for custody", </li>
<li>"When should I pay off the house?"</li>
<li>Financially planning for a baby,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/saving/cost-of-having-a-baby?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Having a Baby? Don't Forget These Expenses</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3e4292a-b788-11ed-9da3-7b2e337d9a52]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2739580141.mp3?updated=1678912852" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have to Chose Which Thing Is Going To Suck (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Will buying a condo ruin me financially?"

Getting rid of debt while still in school,

Helping with an elderly parent's assisted living expenses,

Adjusting a budget to go down to one income,

"Should I sell the car?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Mar 2023 21:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Will buying a condo ruin me financially?"

Getting rid of debt while still in school,

Helping with an elderly parent's assisted living expenses,

Adjusting a budget to go down to one income,

"Should I sell the car?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Will buying a condo ruin me financially?"</li>
<li>Getting rid of debt while still in school,</li>
<li>Helping with an elderly parent's assisted living expenses,</li>
<li>Adjusting a budget to go down to one income,</li>
<li>"Should I sell the car?" </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d425dcc0-b78a-11ed-b6c3-373db14a209b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3406323034.mp3?updated=1678829706" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Invest Your Money Based on the News Headlines! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I pull from retirement to pay off credit cards?"

 Investing to retire early,

from the blog: Can I Retire Early?


Where a HUD loan goes in the baby steps,

Using a brokerage account for a down payment on a house,

Taking out social security early to pay off a mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Mar 2023 20:41:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I pull from retirement to pay off credit cards?"

 Investing to retire early,

from the blog: Can I Retire Early?


Where a HUD loan goes in the baby steps,

Using a brokerage account for a down payment on a house,

Taking out social security early to pay off a mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I pull from retirement to pay off credit cards?"</li>
<li> Investing to retire early,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/can-you-retire-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Can I Retire Early?</a>
</li>
<li>Where a HUD loan goes in the baby steps,</li>
<li>Using a brokerage account for a down payment on a house,</li>
<li>Taking out social security early to pay off a mortgage.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c864d2fc-b789-11ed-95a4-3b10c4f63bb7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8527141375.mp3?updated=1678826598" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Let My Friend Borrow Money? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I go into business with my friend?"

from the blog: The Dirt on Partnerships,

What to do when friends ask for money,

"Should I break up my brokerage fund into multiple accounts?"

"We were gifted a deed"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Mar 2023 20:10:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I go into business with my friend?"

from the blog: The Dirt on Partnerships,

What to do when friends ask for money,

"Should I break up my brokerage fund into multiple accounts?"

"We were gifted a deed"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I go into business with my friend?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/business/the-dirt-on-partnerships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Dirt on Partnerships</a>,</li>
<li>What to do when friends ask for money,</li>
<li>"Should I break up my brokerage fund into multiple accounts?"</li>
<li>"We were gifted a deed"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3c79332-b788-11ed-9da3-671b0eb87a23]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5815689082.mp3?updated=1678822485" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Rent My Car Out on Turo? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Splitting property with family,

"Should I buy a car in cash to use as a rental on Turo?"

"I have a mountain of debt; where do I start?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Mar 2023 21:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

Splitting property with family,

"Should I buy a car in cash to use as a rental on Turo?"

"I have a mountain of debt; where do I start?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Splitting property with family,</li>
<li>"Should I buy a car in cash to use as a rental on Turo?"</li>
<li>"I have a mountain of debt; where do I start?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2480</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d4134ff6-b78a-11ed-b6c3-2f396ff8aa59]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8266137525.mp3?updated=1678743105" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Great News About the SVB Collapse (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

The great news about the SVB collapse,

"Move in with my parents to save money?"

"Should we buy whole life insurance?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Mar 2023 20:33:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

The great news about the SVB collapse,

"Move in with my parents to save money?"

"Should we buy whole life insurance?"


Support Our Sponsor:
Neighborly

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>The great news about the SVB collapse,</li>
<li>"Move in with my parents to save money?"</li>
<li>"Should we buy whole life insurance?"</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://www.neighborly.com/">Neighborly</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c851c022-b789-11ed-95a4-a3d8c32515bb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2667708362.mp3?updated=1678739630" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Hell-Bent on Getting Rich Quick (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

The best way to use an inheritance, 

"When do you have to pay capital gains tax?"

from the blog: What Is Capital Gains Tax?


Why you should hardly ever put money in CDs.

from the blog: What Is a Certificate of Deposit (CD)?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Mar 2023 19:46:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

The best way to use an inheritance, 

"When do you have to pay capital gains tax?"

from the blog: What Is Capital Gains Tax?


Why you should hardly ever put money in CDs.

from the blog: What Is a Certificate of Deposit (CD)?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li>The best way to use an inheritance, </li>
<li>"When do you have to pay capital gains tax?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/taxes/what-is-capital-gains-tax?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Capital Gains Tax?</a>
</li>
<li>Why you should hardly ever put money in CDs.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/certificates-of-deposit?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Certificate of Deposit (CD)?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3b13376-b788-11ed-9da3-4b075284e134]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1689283824.mp3?updated=1678736692" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Setting a Strong Foundation To Build Wealth (Hour 3)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:

Setting a foundation to build wealth,

"My husband's boss is a pig... should he leave?"

"Should I cash out my investments to buy a house?"

from the blog: How to Save for a House,

Investing while paying off debt.

from the blog: When You Should Stop Investing,

"When should I invest in my side hustle?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Mar 2023 22:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:

Setting a foundation to build wealth,

"My husband's boss is a pig... should he leave?"

"Should I cash out my investments to buy a house?"

from the blog: How to Save for a House,

Investing while paying off debt.

from the blog: When You Should Stop Investing,

"When should I invest in my side hustle?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Setting a foundation to build wealth,</li>
<li>"My husband's boss is a pig... should he leave?"</li>
<li>"Should I cash out my investments to buy a house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-save-money-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save for a House</a>,</li>
<li>Investing while paying off debt.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>,</li>
<li>"When should I invest in my side hustle?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d40045c8-b78a-11ed-b6c3-5708b257bc1f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9419314817.mp3?updated=1678487802" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Choose: $1200 Car Payment OR 3 Million Dollars? (Hour 2)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:

"How can I possibly afford a house?"

Short-term vs. long-term mindsets with money,

Accessing retirement without tax penalties?

"Collectors won't negotiate with me"

from the blog: How to Pay Off Collections,

Buying a car in Baby Step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Mar 2023 21:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:

"How can I possibly afford a house?"

Short-term vs. long-term mindsets with money,

Accessing retirement without tax penalties?

"Collectors won't negotiate with me"

from the blog: How to Pay Off Collections,

Buying a car in Baby Step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"How can I possibly afford a house?"</li>
<li>Short-term vs. long-term mindsets with money,</li>
<li>Accessing retirement without tax penalties?</li>
<li>"Collectors won't negotiate with me"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-collections?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Collections</a>,</li>
<li>Buying a car in Baby Step 2.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c83e91fa-b789-11ed-95a4-1fe6db4c1a81]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9209859876.mp3?updated=1678483994" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>2023 Real Estate Trends: Should You Buy a House Right Now? (Hour 1)</title>
      <description>George Kamel &amp; Rachel Cruze answer your questions and discuss:

"I was laid off right after buying a house",

"Can I have fun and still save money?"

High Interest rates and 2023 real estate trends,

from the blog: 2023 Real Estate Trends: What You Need to Know,

"What should I do with a cashed out pension?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Mar 2023 20:40:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze answer your questions and discuss:

"I was laid off right after buying a house",

"Can I have fun and still save money?"

High Interest rates and 2023 real estate trends,

from the blog: 2023 Real Estate Trends: What You Need to Know,

"What should I do with a cashed out pension?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"I was laid off right after buying a house",</li>
<li>"Can I have fun and still save money?"</li>
<li>High Interest rates and 2023 real estate trends,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/real-estate-trends?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">2023 Real Estate Trends: What You Need to Know</a>,</li>
<li>"What should I do with a cashed out pension?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e39bfaf6-b788-11ed-9da3-d76ec3b03d95]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4566340404.mp3?updated=1678480416" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Where Do Bills in Collections Go in the Debt Snowball? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"How do we roll over an old 401(k)?"

"Where to debts in collections go in the debt snowball?"

from the blog: How to Pay Off Collections,

"Should I let my son move back home?"

"What's the best way for me to buy a home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Mar 2023 22:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"How do we roll over an old 401(k)?"

"Where to debts in collections go in the debt snowball?"

from the blog: How to Pay Off Collections,

"Should I let my son move back home?"

"What's the best way for me to buy a home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"How do we roll over an old 401(k)?"</li>
<li>"Where to debts in collections go in the debt snowball?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-collections?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Collections</a>,</li>
<li>"Should I let my son move back home?"</li>
<li>"What's the best way for me to buy a home?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d3ece8a2-b78a-11ed-b6c3-eb8fd9e324a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8556548009.mp3?updated=1678401305" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Tell Your Mom To Stop Acting Crazy (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"Should I do owner financing on the home I'm selling?"

Helping a parent financially,

The gift of saying "No!"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Mar 2023 21:42:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"Should I do owner financing on the home I'm selling?"

Helping a parent financially,

The gift of saying "No!"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"Should I do owner financing on the home I'm selling?"</li>
<li>Helping a parent financially,</li>
<li>The gift of saying "No!"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c82c0206-b789-11ed-95a4-fb27a447fefa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5431778189.mp3?updated=1678397824" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>SoFi vs. the Education Department: They’re All Villains! (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"How can I untangle my parents' financial mess?"

SoFi's fight to end the pause on student loan repayments,

"Which property should I pay off first?"

from the blog: What Are the Baby Steps?


"How can I support my son who is recovering from addiction?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Mar 2023 20:33:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:

"How can I untangle my parents' financial mess?"

SoFi's fight to end the pause on student loan repayments,

"Which property should I pay off first?"

from the blog: What Are the Baby Steps?


"How can I support my son who is recovering from addiction?" 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"How can I untangle my parents' financial mess?"</li>
<li>SoFi's fight to end the pause on student loan repayments,</li>
<li>"Which property should I pay off first?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Are the Baby Steps?</a>
</li>
<li>"How can I support my son who is recovering from addiction?" </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2485</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e386396e-b788-11ed-9da3-8f0de1dcbba6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9132786049.mp3?updated=1678394157" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Rent Out Our Home? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we rent out our home while living abroad?"

Top 10 List: "You Know You Know You Listen to Dave Ramsey When..."

"Should I take the offer of a company car?"

"What should I do with an inherited IRA?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Mar 2023 22:32:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should we rent out our home while living abroad?"

Top 10 List: "You Know You Know You Listen to Dave Ramsey When..."

"Should I take the offer of a company car?"

"What should I do with an inherited IRA?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should we rent out our home while living abroad?"</li>
<li>Top 10 List: "You Know You Know You Listen to Dave Ramsey When..."</li>
<li>"Should I take the offer of a company car?"</li>
<li>"What should I do with an inherited IRA?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d3d8ab80-b78a-11ed-b6c3-efd1837fe38c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5223283827.mp3?updated=1678314797" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There’s Always New Versions of Old Stupid Stuff (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I start day trading?"

from the blog: What Is Day Trading and How Does It Work?


"My fiancée doesn't want to move into my duplex",

"Do credit cards have more fraud protection than debit cards?"

"Is our rental house holding us back from accomplishing our goals?"

The best retirement option for you.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Mar 2023 21:46:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I start day trading?"

from the blog: What Is Day Trading and How Does It Work?


"My fiancée doesn't want to move into my duplex",

"Do credit cards have more fraud protection than debit cards?"

"Is our rental house holding us back from accomplishing our goals?"

The best retirement option for you.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I start day trading?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/what-is-day-trading?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Day Trading and How Does It Work?</a>
</li>
<li>"My fiancée doesn't want to move into my duplex",</li>
<li>"Do credit cards have more fraud protection than debit cards?"</li>
<li>"Is our rental house holding us back from accomplishing our goals?"</li>
<li>The best retirement option for you.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c818f6a2-b789-11ed-95a4-f7688ee10982]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8236948758.mp3?updated=1678311763" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do You Have What It Takes To Get Out of Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I try house hacking?" 

Dave and Jade walk through the 7 Baby Steps and ask if you have the motivation to do what it takes to get out of debt,

from the blog: What Are the Baby Steps?


"How does gift tax work?"

from the blog: What Is the 2022 Gift Tax Limit?


How to use retirement funds.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Mar 2023 20:51:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I try house hacking?" 

Dave and Jade walk through the 7 Baby Steps and ask if you have the motivation to do what it takes to get out of debt,

from the blog: What Are the Baby Steps?


"How does gift tax work?"

from the blog: What Is the 2022 Gift Tax Limit?


How to use retirement funds.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I try house hacking?" </li>
<li>Dave and Jade walk through the 7 Baby Steps and ask if you have the motivation to do what it takes to get out of debt,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Are the Baby Steps?</a>
</li>
<li>"How does gift tax work?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/taxes/what-is-the-gift-tax?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is the 2022 Gift Tax Limit?</a>
</li>
<li>How to use retirement funds.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e36e9886-b788-11ed-9da3-83c1eea73c85]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2802844557.mp3?updated=1678307520" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’ve Made Perpetual Bad Decisions (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Saving up for a dream car,

Itemized vs. standard tax deductions,

"I've had a series of financial disasters",

"What should I do with $260K?"

Cash-flowing car repairs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Mar 2023 22:33:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

Saving up for a dream car,

Itemized vs. standard tax deductions,

"I've had a series of financial disasters",

"What should I do with $260K?"

Cash-flowing car repairs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Saving up for a dream car,</li>
<li>Itemized vs. standard tax deductions,</li>
<li>"I've had a series of financial disasters",</li>
<li>"What should I do with $260K?"</li>
<li>Cash-flowing car repairs.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2492</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d3c49726-b78a-11ed-b6c3-479a49e39647]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3956148252.mp3?updated=1678228517" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ramsey’s Take on Fair &amp; Equitable Taxation (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"When can we pull money from our investments to build our dream home?"

What Ramsey thinks about the proposed Fair Tax Act,

"How should I save?"

from the blog: How Much Should I Have in Savings?


Selling the house to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Mar 2023 21:38:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"When can we pull money from our investments to build our dream home?"

What Ramsey thinks about the proposed Fair Tax Act,

"How should I save?"

from the blog: How Much Should I Have in Savings?


Selling the house to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"When can we pull money from our investments to build our dream home?"</li>
<li>What Ramsey thinks about the proposed Fair Tax Act,</li>
<li>"How should I save?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/banking/how-much-should-i-have-in-savings?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much Should I Have in Savings?</a>
</li>
<li>Selling the house to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c804f9c2-b789-11ed-95a4-87a2f8fba409]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5700957234.mp3?updated=1678225047" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Don’t Trust the Market… Should I Be Investing? (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I don't trust the market... should I be investing?'

How to adjust to a new job,

"Should I save extra for school in case my 529 doesn't cover it?"

"When can I actually use my emergency fund?"

"Did I make a rash, emotional decision?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Mar 2023 20:44:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:

"I don't trust the market... should I be investing?'

How to adjust to a new job,

"Should I save extra for school in case my 529 doesn't cover it?"

"When can I actually use my emergency fund?"

"Did I make a rash, emotional decision?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"I don't trust the market... should I be investing?'</li>
<li>How to adjust to a new job,</li>
<li>"Should I save extra for school in case my 529 doesn't cover it?"</li>
<li>"When can I actually use my emergency fund?"</li>
<li>"Did I make a rash, emotional decision?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3583bf4-b788-11ed-9da3-0fa896db1b1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7302653735.mp3?updated=1678221123" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Gonna Lose Your Butt on This (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I finance a vehicle from my employer?"

How to save for a child with disabilities,

"Am I house poor?"

Update on real estate trends in 2023,

from the blog: 2023 Real Estate Trends: What You Need to Know,

Getting out of a financed vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Mar 2023 22:38:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

 "Should I finance a vehicle from my employer?"

How to save for a child with disabilities,

"Am I house poor?"

Update on real estate trends in 2023,

from the blog: 2023 Real Estate Trends: What You Need to Know,

Getting out of a financed vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li> "Should I finance a vehicle from my employer?"</li>
<li>How to save for a child with disabilities,</li>
<li>"Am I house poor?"</li>
<li>Update on real estate trends in 2023,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/real-estate-trends?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">2023 Real Estate Trends: What You Need to Know</a>,</li>
<li>Getting out of a financed vehicle.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2490</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d3b0c8f4-b78a-11ed-b6c3-a31fae34df6c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7161986865.mp3?updated=1678142090" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy My Dream Car? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show. Can I afford to buy it?"

Investing in company stocks,

A debt-free scream AND wedding proposal!

"Should we sell our house to invest the mortgage payment?"

What to do with an old 401(k).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Mar 2023 21:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show. Can I afford to buy it?"

Investing in company stocks,

A debt-free scream AND wedding proposal!

"Should we sell our house to invest the mortgage payment?"

What to do with an old 401(k).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I lost my dream car on a game show. Can I afford to buy it?"</li>
<li>Investing in company stocks,</li>
<li>A debt-free scream AND wedding proposal!</li>
<li>"Should we sell our house to invest the mortgage payment?"</li>
<li>What to do with an old 401(k).</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c7f1bfba-b789-11ed-95a4-87f12ea4e99a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9231092524.mp3?updated=1678138484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>7 Tips for First-Time Home Buyers (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I claim all my kids on my taxes?" 

How much you need in savings,

7 tips for first-time home buyers,

from the blog: Tips for First-Time Home Buyers,

"Should we do an interest rate buy down?"

from the blog: What Are Mortgage Points and How Do They Work?


"How much of my inheritance do I owe my sister?" AKA why you should always have a will!


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Mar 2023 20:38:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Should I claim all my kids on my taxes?" 

How much you need in savings,

7 tips for first-time home buyers,

from the blog: Tips for First-Time Home Buyers,

"Should we do an interest rate buy down?"

from the blog: What Are Mortgage Points and How Do They Work?


"How much of my inheritance do I owe my sister?" AKA why you should always have a will!


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Should I claim all my kids on my taxes?" </li>
<li>How much you need in savings,</li>
<li>7 tips for first-time home buyers,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/tips-for-first-time-home-buyers?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Tips for First-Time Home Buyers</a>,</li>
<li>"Should we do an interest rate buy down?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/what-are-mortgage-points?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Are Mortgage Points and How Do They Work?</a>
</li>
<li>"How much of my inheritance do I owe my sister?" AKA why you should always have a will!</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e34123d8-b788-11ed-9da3-ab37be4fa561]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7495473935.mp3?updated=1678135142" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way for Me To Save Money? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Pursuing a career in a different city, 

"Should I save with a CD?"

"When is a good time to switch careers?"

"How can I lower the payments on my student loans?"

Talking to a spouse about debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Mar 2023 22:41:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Pursuing a career in a different city, 

"Should I save with a CD?"

"When is a good time to switch careers?"

"How can I lower the payments on my student loans?"

Talking to a spouse about debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Pursuing a career in a different city, </li>
<li>"Should I save with a CD?"</li>
<li>"When is a good time to switch careers?"</li>
<li>"How can I lower the payments on my student loans?"</li>
<li>Talking to a spouse about debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b8864aa2-a1a2-11ed-92ce-6b475650d1a1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3484815577.mp3?updated=1677883241" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off Our House Right Now? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Pay off the house early if we're moving soon?"

"How do I adjust my withholding to not pay taxes?"

from the blog: What You May Be Missing by Getting a Large Refund,

How to budget in retirement,

Working a job where you're on call 24/7,

Knowing how much term life insurance you need,

from the blog: What Is Term Life Insurance?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Mar 2023 21:36:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Pay off the house early if we're moving soon?"

"How do I adjust my withholding to not pay taxes?"

from the blog: What You May Be Missing by Getting a Large Refund,

How to budget in retirement,

Working a job where you're on call 24/7,

Knowing how much term life insurance you need,

from the blog: What Is Term Life Insurance?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Pay off the house early if we're moving soon?"</li>
<li>"How do I adjust my withholding to not pay taxes?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/taxes/tax-refund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What You May Be Missing by Getting a Large Refund</a>,</li>
<li>How to budget in retirement,</li>
<li>Working a job where you're on call 24/7,</li>
<li>Knowing how much term life insurance you need,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/what-is-term-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Term Life Insurance?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9b41cc74-a1a1-11ed-8fa6-9bb13212e7d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9704198210.mp3?updated=1677879419" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $150k in Debt… How Do I Move Forward? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Working full-time jobs after graduation, 

Dealing with a negative balance on a credit card,

Tackling $150k in debt,

Preparing for a layoff.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Mar 2023 20:37:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Working full-time jobs after graduation, 

Dealing with a negative balance on a credit card,

Tackling $150k in debt,

Preparing for a layoff.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Working full-time jobs after graduation, </li>
<li>Dealing with a negative balance on a credit card,</li>
<li>Tackling $150k in debt,</li>
<li>Preparing for a layoff.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3ae000cc-a1a0-11ed-8780-5b79c4c5dd28]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2828120310.mp3?updated=1677875843" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Put a $12 Cocktail on Afterpay?! (Hour 3)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"How can I help an incarcerated family member and his family?"

"Is renting a bad idea?

When you should start investing,

Navigating disability benefits,

"Should I make payments on my student loans?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Mar 2023 22:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"How can I help an incarcerated family member and his family?"

"Is renting a bad idea?

When you should start investing,

Navigating disability benefits,

"Should I make payments on my student loans?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"How can I help an incarcerated family member and his family?"</li>
<li>"Is renting a bad idea?</li>
<li>When you should start investing,</li>
<li>Navigating disability benefits,</li>
<li>"Should I make payments on my student loans?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b871e13e-a1a2-11ed-92ce-476aa9a7c2c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2112740013.mp3?updated=1677796514" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don’t Need a Credit Score! (Hour 2)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Can I get manual underwriting after a foreclosure?"

"Will cutting up my credit cards hurt my credit score?"

from the blog: The Best Way to Improve Your Credit Score,

"How can we speed up Baby Step 3?"

Doing a monthly budget on a weekly paycheck,

Saving up to buy a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Mar 2023 21:35:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Can I get manual underwriting after a foreclosure?"

"Will cutting up my credit cards hurt my credit score?"

from the blog: The Best Way to Improve Your Credit Score,

"How can we speed up Baby Step 3?"

Doing a monthly budget on a weekly paycheck,

Saving up to buy a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Can I get manual underwriting after a foreclosure?"</li>
<li>"Will cutting up my credit cards hurt my credit score?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/the-number-one-way-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Best Way to Improve Your Credit Score</a>,</li>
<li>"How can we speed up Baby Step 3?"</li>
<li>Doing a monthly budget on a weekly paycheck,</li>
<li>Saving up to buy a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9b2c6668-a1a1-11ed-8fa6-0b5634cfa46a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1352683185.mp3?updated=1677793027" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don’t Have Any Money! (Hour 1)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Can we fly to see family while in Baby Step 2?"

"Is my house too much of my net worth?"

What is My Net Worth?

Prioritizing retirement options,

"Should we pay off our house before investing?"

Annoying junk fees,

Check out Smart Money Happy Hour


"Should we rent our current home and buy something new?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Mar 2023 20:33:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Can we fly to see family while in Baby Step 2?"

"Is my house too much of my net worth?"

What is My Net Worth?

Prioritizing retirement options,

"Should we pay off our house before investing?"

Annoying junk fees,

Check out Smart Money Happy Hour


"Should we rent our current home and buy something new?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Can we fly to see family while in Baby Step 2?"</li>
<li>"Is my house too much of my net worth?"</li>
<li class="ql-indent-1"><a href="https://www.ramseysolutions.com/retirement/net-worth-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What is My Net Worth?</a></li>
<li>Prioritizing retirement options,</li>
<li>"Should we pay off our house before investing?"</li>
<li>Annoying junk fees,</li>
<li class="ql-indent-1">Check out <a href="https://www.ramseysolutions.com/shows/smart-money-happy-hour">Smart Money Happy Hour</a>
</li>
<li>"Should we rent our current home and buy something new?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2512</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3ac73e8e-a1a0-11ed-8780-b39d57edd307]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5386468427.mp3?updated=1677789196" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m 15 &amp; My Parents Are Charging Me Rent! Is This Legal? (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"I’m 15 &amp; my parents are charging me rent! Is this legal?"

Why wealth won't solve your problems,

Saving up for a car,

"Should I pay off my car?"

"My employer wants me to get a credit card",

"Should I sell my truck?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Mar 2023 22:39:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"I’m 15 &amp; my parents are charging me rent! Is this legal?"

Why wealth won't solve your problems,

Saving up for a car,

"Should I pay off my car?"

"My employer wants me to get a credit card",

"Should I sell my truck?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"I’m 15 &amp; my parents are charging me rent! Is this legal?"</li>
<li>Why wealth won't solve your problems,</li>
<li>Saving up for a car,</li>
<li>"Should I pay off my car?"</li>
<li>"My employer wants me to get a credit card",</li>
<li>"Should I sell my truck?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b85cdd8e-a1a2-11ed-92ce-bbba856dd2b8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5950476067.mp3?updated=1677710409" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Is Financially and Emotionally Abusive (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I pay off student loans first since they have no interest?"

"My husband is financially and emotionally abusive",

You can't scheme your way to wealth,

"How can I best help my mom?"

Preparing for major medical expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Mar 2023 22:21:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I pay off student loans first since they have no interest?"

"My husband is financially and emotionally abusive",

You can't scheme your way to wealth,

"How can I best help my mom?"

Preparing for major medical expenses.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I pay off student loans first since they have no interest?"</li>
<li>"My husband is financially and emotionally abusive",</li>
<li>You can't scheme your way to wealth,</li>
<li>"How can I best help my mom?"</li>
<li>Preparing for major medical expenses.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9b178c20-a1a1-11ed-8fa6-8f6d04537ce0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5462068723.mp3?updated=1677709114" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Dave's Money Advice Outdated? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"My husband has been giving his family money behind my back",

Getting rid of whole life insurance,

"Why do you recommend actively managed funds vs. index funds?"

from the blog: Understanding S&amp;P 500 Index Funds,

Is Dave's money advice outdated?

"I was recently fired and don't know what to do next"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Mar 2023 20:51:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"My husband has been giving his family money behind my back",

Getting rid of whole life insurance,

"Why do you recommend actively managed funds vs. index funds?"

from the blog: Understanding S&amp;P 500 Index Funds,

Is Dave's money advice outdated?

"I was recently fired and don't know what to do next"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"My husband has been giving his family money behind my back",</li>
<li>Getting rid of whole life insurance,</li>
<li>"Why do you recommend actively managed funds vs. index funds?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/sp-500-index-funds?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Understanding S&amp;P 500 Index Funds</a>,</li>
<li>Is Dave's money advice outdated?</li>
<li>"I was recently fired and don't know what to do next"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3aaf682c-a1a0-11ed-8780-c71d43e57e99]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2206361496.mp3?updated=1677703499" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband and I Don’t Trust Each Other With Money (Hour 3)</title>
      <description>Ken Coleman &amp; Kristina Ellis answer your questions and discuss: 

"Is it worth going back to school?"

The Supreme Court hearing arguments about student loan forgiveness,

"My mom talked me into getting a car loan",

"My husband and I don’t trust each other with money"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Feb 2023 22:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Kristina Ellis answer your questions and discuss: 

"Is it worth going back to school?"

The Supreme Court hearing arguments about student loan forgiveness,

"My mom talked me into getting a car loan",

"My husband and I don’t trust each other with money"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Kristina Ellis answer your questions and discuss: </p><ul>
<li>"Is it worth going back to school?"</li>
<li>The Supreme Court hearing arguments about student loan forgiveness,</li>
<li>"My mom talked me into getting a car loan",</li>
<li>"My husband and I don’t trust each other with money"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2530</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b8475dce-a1a2-11ed-92ce-e7dc82b76adf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1568030877.mp3?updated=1677623723" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Use My Tax Refund? (Hour 2)</title>
      <description>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:

"Should we pay off the house while we're expecting?" 

How to use a tax refund,

from the blog: What Do I Do With My Tax Refund?


"Should I sleep in my car to save money?"

The 10 worst-paying college degrees,

"What would a new career look like for me?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Feb 2023 21:46:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:

"Should we pay off the house while we're expecting?" 

How to use a tax refund,

from the blog: What Do I Do With My Tax Refund?


"Should I sleep in my car to save money?"

The 10 worst-paying college degrees,

"What would a new career look like for me?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"Should we pay off the house while we're expecting?" </li>
<li>How to use a tax refund,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/taxes/what-do-i-do-with-my-tax-refund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Do I Do With My Tax Refund?</a>
</li>
<li>"Should I sleep in my car to save money?"</li>
<li>The 10 worst-paying college degrees,</li>
<li>"What would a new career look like for me?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9b02c560-a1a1-11ed-8fa6-6b32f55ba179]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3842271703.mp3?updated=1677620427" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Grad School Worth It? (Hour 1)</title>
      <description>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:

"Should we pause retirement to pay off our house?"

from the blog: When You Should Stop Investing,

Pausing the debt snowball for a baby,

from the blog: When to Pause Your Debt Snowball,

"Should I go to grad school?",

Renting vs. Buying,

What to do with money after a divorce.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 28 Feb 2023 20:35:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:

"Should we pause retirement to pay off our house?"

from the blog: When You Should Stop Investing,

Pausing the debt snowball for a baby,

from the blog: When to Pause Your Debt Snowball,

"Should I go to grad school?",

Renting vs. Buying,

What to do with money after a divorce.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"Should we pause retirement to pay off our house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>,</li>
<li>Pausing the debt snowball for a baby,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When to Pause Your Debt Snowball</a>,</li>
<li>"Should I go to grad school?",</li>
<li>Renting vs. Buying,</li>
<li>What to do with money after a divorce.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3a965080-a1a0-11ed-8780-677e0140e6b7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9810251095.mp3?updated=1677616613" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can't Do Life Alone, But You Also Need Boundaries (Hour 3)</title>
      <description>John Delony &amp; Jade Warshaw answer your questions and discuss:

What to do as a church with massive mortgage debt,

from the blog: The Church In Financial Crisis


"Should we move in with my parents to save money?"

from the blog: How to Save Money: 23 Simple Tips


How you're responsible for the solution to your own problems,

from the blog: You Are the Problem...and the Solution!


Why a taking out a HELOC is horrible way to fast track savings,

"How do I tell my wife it's time for her mom to move out of our house?",

from the blog: How to Set Boundaries: 7 Simple Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Feb 2023 22:43:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; Jade Warshaw answer your questions and discuss:

What to do as a church with massive mortgage debt,

from the blog: The Church In Financial Crisis


"Should we move in with my parents to save money?"

from the blog: How to Save Money: 23 Simple Tips


How you're responsible for the solution to your own problems,

from the blog: You Are the Problem...and the Solution!


Why a taking out a HELOC is horrible way to fast track savings,

"How do I tell my wife it's time for her mom to move out of our house?",

from the blog: How to Set Boundaries: 7 Simple Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to do as a church with massive mortgage debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/the-church-in-financial-crisis?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Church In Financial Crisis</a>
</li>
<li>"Should we move in with my parents to save money?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/the-secret-to-saving-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save Money: 23 Simple Tips</a>
</li>
<li>How you're responsible for the solution to your own problems,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/you-are-the-problem-and-the-solution?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">You Are the Problem...and the Solution!</a>
</li>
<li>Why a taking out a HELOC is horrible way to fast track savings,</li>
<li>"How do I tell my wife it's time for her mom to move out of our house?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/setting-boundaries-in-your-life?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Set Boundaries: 7 Simple Steps</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2506</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b831228e-a1a2-11ed-92ce-e3b46eb605af]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4710114495.mp3?updated=1677537804" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Aim For Progress, Not Perfection (Hour 2)</title>
      <description>John Delony &amp; Jade Warshaw answer your questions and discuss:

How to navigate life and business after cutting up your credit cards,

from the blog: Do I Need a Credit Card?


When you should cut your losses on a vehicle and stop repairing it,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


What to pay attention to when you want to move up in house,

from the blog: How to Upsize Your Home in 3 Easy Steps


How to know if you should keep going to college or start working,

from the blog: Should I Go Back to School to Get My Dream Job?


"Should we keep our house and use it as an Airbnb?",

from the blog: How to Make Extra Money Using Airbnb


How to financially recover after an abusing relationship,

from the blog: How to Begin Healing From Trauma



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Feb 2023 21:56:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; Jade Warshaw answer your questions and discuss:

How to navigate life and business after cutting up your credit cards,

from the blog: Do I Need a Credit Card?


When you should cut your losses on a vehicle and stop repairing it,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


What to pay attention to when you want to move up in house,

from the blog: How to Upsize Your Home in 3 Easy Steps


How to know if you should keep going to college or start working,

from the blog: Should I Go Back to School to Get My Dream Job?


"Should we keep our house and use it as an Airbnb?",

from the blog: How to Make Extra Money Using Airbnb


How to financially recover after an abusing relationship,

from the blog: How to Begin Healing From Trauma



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>How to navigate life and business after cutting up your credit cards,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/excuses-to-keep-credit-cards?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Do I Need a Credit Card?</a>
</li>
<li>When you should cut your losses on a vehicle and stop repairing it,</li>
<li>from the blog: Is <a href="https://www.ramseysolutions.com/budgeting/should-i-repair-or-replace-my-car?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Your Car Worth Repairing? Or Should You Replace It?</a>
</li>
<li>What to pay attention to when you want to move up in house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-upsize-your-home-three-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Upsize Your Home in 3 Easy Steps</a>
</li>
<li>How to know if you should keep going to college or start working,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/back-to-school-for-dream-job?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Go Back to School to Get My Dream Job?</a>
</li>
<li>"Should we keep our house and use it as an Airbnb?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-airbnb-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Make Extra Money Using Airbnb</a>
</li>
<li>How to financially recover after an abusing relationship,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/what-is-trauma/how-to-heal-from-trauma?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Begin Healing From Trauma</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2513</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9aedec44-a1a1-11ed-8fa6-f3d1bc3dbda7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8271870887.mp3?updated=1677534900" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Let Debt Steal Your Reality (Hour 1)</title>
      <description>John Delony &amp; Jade Warshaw answer your questions and discuss:

How to decide if you should rent or buy when moving to a new city,

from the blog: Should I Rent or Buy a House?


from the blog: How Much House Can I Afford?


What to do with debt when expecting a baby,

How you can turn $100 into $1,000,000?,

from the blog: How Teens Can Become Millionaires


"My mom lied about paying my student loans and I don't know what to do",

from the blog: The Truth About Debt and Relationships


Sign up for our Money and Marriage Getaway event with Rachel Cruze &amp; John Delony!

How get started on the Baby Steps to really win with money,

from the blog: How to Win With Money in 7 Baby Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 27 Feb 2023 20:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; Jade Warshaw answer your questions and discuss:

How to decide if you should rent or buy when moving to a new city,

from the blog: Should I Rent or Buy a House?


from the blog: How Much House Can I Afford?


What to do with debt when expecting a baby,

How you can turn $100 into $1,000,000?,

from the blog: How Teens Can Become Millionaires


"My mom lied about paying my student loans and I don't know what to do",

from the blog: The Truth About Debt and Relationships


Sign up for our Money and Marriage Getaway event with Rachel Cruze &amp; John Delony!

How get started on the Baby Steps to really win with money,

from the blog: How to Win With Money in 7 Baby Steps



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>How to decide if you should rent or buy when moving to a new city,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>What to do with debt when expecting a baby,</li>
<li>How you can turn $100 into $1,000,000?,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-teens-can-become-millionaires?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Teens Can Become Millionaires</a>
</li>
<li>"My mom lied about paying my student loans and I don't know what to do",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/the-truth-about-debt-and-relationships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Truth About Debt and Relationships</a>
</li>
<li>Sign up for our <a href="https://www.ramseysolutions.com/store/events/money-and-marriage-getaway?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Money and Marriage Getaway</a> event with Rachel Cruze &amp; John Delony!</li>
<li>How get started on the Baby Steps to really win with money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-win-with-money-in-7-easy-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Win With Money in 7 Baby Steps</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3a7bbac2-a1a0-11ed-8780-1765f0a94aec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5080074384.mp3?updated=1677530248" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Slept On An Air Mattress For 5 Years! (Hour 3)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"I was laid off and don't know if I want to stay in my engineering field"

from the blog: What to Do if You're Laid Off


"We slept on an air mattress for 5 years!"

from the blog: More about Jade Warshaw


How to change jobs when you don't know where to go next,

from the blog: How to Switch Careers When You're In Debt


What to do when you don't know if taking a leadership position is right for you,

from the blog: How to Be a Good Leader


Sign up for our weekly newsletter at this link.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Feb 2023 22:33:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"I was laid off and don't know if I want to stay in my engineering field"

from the blog: What to Do if You're Laid Off


"We slept on an air mattress for 5 years!"

from the blog: More about Jade Warshaw


How to change jobs when you don't know where to go next,

from the blog: How to Switch Careers When You're In Debt


What to do when you don't know if taking a leadership position is right for you,

from the blog: How to Be a Good Leader


Sign up for our weekly newsletter at this link.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I was laid off and don't know if I want to stay in my engineering field"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-to-do-if-you-get-laid-off?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do if You're Laid Off</a>
</li>
<li>"We slept on an air mattress for 5 years!"</li>
<li>from the blog: More about <a href="https://www.ramseysolutions.com/jade-warshaw?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Jade Warshaw</a>
</li>
<li>How to change jobs when you don't know where to go next,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-switch-careers-when-in-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Switch Careers When You're In Debt</a>
</li>
<li>What to do when you don't know if taking a leadership position is right for you,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/how-to-be-a-great-leader?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Be a Good Leader</a>
</li>
<li>Sign up for our weekly newsletter <a href="https://www.ramseysolutions.com//newsletter?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">at this link</a>.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f8e899a-a1a2-11ed-a352-a3759beddba2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3008819770.mp3?updated=1677278146" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Building Slowly Ensures A Solid Foundation (Hour 2)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss: 

What to do when you want to quit your full-time job and start a business,

from the blog: How to Start a Business


How to optimize the growth of your retirement savings,

from the blog: Best Retirement Plans of 2023: Which Account Is Right For You?


"Should keep renting when we finish paying off debt?"

from the blog: Am I Ready to Buy A House?


How to know which debt to pay off first,

from the blog: What Debt Do You Pay Off First?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Feb 2023 21:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss: 

What to do when you want to quit your full-time job and start a business,

from the blog: How to Start a Business


How to optimize the growth of your retirement savings,

from the blog: Best Retirement Plans of 2023: Which Account Is Right For You?


"Should keep renting when we finish paying off debt?"

from the blog: Am I Ready to Buy A House?


How to know which debt to pay off first,

from the blog: What Debt Do You Pay Off First?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss: </p><ul>
<li>What to do when you want to quit your full-time job and start a business,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/the-basics-of-starting-a-business?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start a Business</a>
</li>
<li>How to optimize the growth of your retirement savings,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/types-of-retirement-accounts?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Best Retirement Plans of 2023: Which Account Is Right For You?</a>
</li>
<li>"Should keep renting when we finish paying off debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/financially-ready-to-buy-home?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Am I Ready to Buy A House?</a>
</li>
<li>How to know which debt to pay off first,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/what-debt-do-i-pay-off-first?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Debt Do You Pay Off First?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[505ada8e-a1a1-11ed-a414-c3ca17b777e2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5058208783.mp3?updated=1677274934" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Grow Weary In Doing Right (Hour 1)</title>
      <description>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"Can I pause the Baby Steps to save for a car?"

from the blog: When To Pause Your Debt Snowball


How a simple side hustle can take off and drastically increase your income,

from the blog: 34 Ways to Make Extra Money


When you should or should not use savings to pay off your mortgage,

Important things to know for bookkeeping in your business,

from the blog: Best Small-Business Bookkeeping and Accounting


Why student loans are not the answer to your educational future,

from the blog: How to Pay for College Without Student Loans



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 24 Feb 2023 20:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:

"Can I pause the Baby Steps to save for a car?"

from the blog: When To Pause Your Debt Snowball


How a simple side hustle can take off and drastically increase your income,

from the blog: 34 Ways to Make Extra Money


When you should or should not use savings to pay off your mortgage,

Important things to know for bookkeeping in your business,

from the blog: Best Small-Business Bookkeeping and Accounting


Why student loans are not the answer to your educational future,

from the blog: How to Pay for College Without Student Loans



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Can I pause the Baby Steps to save for a car?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When To Pause Your Debt Snowball</a>
</li>
<li>How a simple side hustle can take off and drastically increase your income,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-make-extra-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">34 Ways to Make Extra Money</a>
</li>
<li>When you should or should not use savings to pay off your mortgage,</li>
<li>Important things to know for bookkeeping in your business,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/taxes/small-business-bookkeeping-accounting?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Best Small-Business Bookkeeping and Accounting</a>
</li>
<li>Why student loans are not the answer to your educational future,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2518</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0a196eb0-a1a0-11ed-ba6f-d361c19743b1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7463959879.mp3?updated=1677270996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Debt Free Education Is Worth The Sacrifice (Hour 3)</title>
      <description>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

The best ways to look for college scholarships,

from the blog: How to Apply for Scholarships


It's never too early to start saving for your kids college,

from the blog: 10 Best Ways To Save For College


How to avoid lifestyle creep,

from the blog: What Is Lifestyle Creep?


"How do I talk to my boyfriend about money?",

from the blog: The Importance of Talking About Money


What to do when family is pressuring you to pay for things that are not your responsibility,

from the blog: What to Do When Your Family Doesn't Have Your Back



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Feb 2023 22:30:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

The best ways to look for college scholarships,

from the blog: How to Apply for Scholarships


It's never too early to start saving for your kids college,

from the blog: 10 Best Ways To Save For College


How to avoid lifestyle creep,

from the blog: What Is Lifestyle Creep?


"How do I talk to my boyfriend about money?",

from the blog: The Importance of Talking About Money


What to do when family is pressuring you to pay for things that are not your responsibility,

from the blog: What to Do When Your Family Doesn't Have Your Back



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>The best ways to look for college scholarships,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/how-to-find-scholarships?utm_source=event_page&amp;utm_medium=digital_content&amp;utm_content=rs_dm_borrowed-future-film_how-to-find-scholarships_101421_indirect&amp;utm_term=post_customer_journey&amp;utm_campaign=borrowed_future_film&amp;campaign_id=&amp;lead_source=Digital_Content?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Apply for Scholarships</a>
</li>
<li>It's never too early to start saving for your kids college,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/saving-for-college-is-easier-than-you-think?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 Best Ways To Save For College</a>
</li>
<li>How to avoid lifestyle creep,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/lifestyle-creep?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Lifestyle Creep?</a>
</li>
<li>"How do I talk to my boyfriend about money?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/talk-about-money-even-when-its-hard?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Importance of Talking About Money</a>
</li>
<li>What to do when family is pressuring you to pay for things that are not your responsibility,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/what-to-do-when-your-family-isnt-supportive?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do When Your Family Doesn't Have Your Back</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f7c12ba-a1a2-11ed-a352-77babec6297c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3250354472.mp3?updated=1677191530" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Stay Motivated With Your Life And Money (Hour 2)</title>
      <description>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

"I want to buy a Corvette but I'm scared to pull the trigger and don't know what to do."

What to do when trying to find a new career,

from the blog: What Should I Do With My Life? 7 Questions To Help You Find Your Purpose


How to stay motivated when working through the Baby Steps,

from the blog: How To Set Financial Goals


There's no shame in helping your budget by shopping at cheaper stores,

from the blog: How To Combat Inflation And Protect Your Four Walls


The best way to maximize your savings with a high yield savings account,

from the blog: What Is A High-Yield Savings Account and Do I Need One?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Feb 2023 21:39:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

"I want to buy a Corvette but I'm scared to pull the trigger and don't know what to do."

What to do when trying to find a new career,

from the blog: What Should I Do With My Life? 7 Questions To Help You Find Your Purpose


How to stay motivated when working through the Baby Steps,

from the blog: How To Set Financial Goals


There's no shame in helping your budget by shopping at cheaper stores,

from the blog: How To Combat Inflation And Protect Your Four Walls


The best way to maximize your savings with a high yield savings account,

from the blog: What Is A High-Yield Savings Account and Do I Need One?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"I want to buy a Corvette but I'm scared to pull the trigger and don't know what to do."</li>
<li>What to do when trying to find a new career,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-should-i-do-with-my-life?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Should I Do With My Life? 7 Questions To Help You Find Your Purpose</a>
</li>
<li>How to stay motivated when working through the Baby Steps,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/personal-growth/setting-financial-goals?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Set Financial Goals</a>
</li>
<li>There's no shame in helping your budget by shopping at cheaper stores,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-combat-inflation#food?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Combat Inflation And Protect Your Four Walls</a>
</li>
<li>The best way to maximize your savings with a high yield savings account,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/banking/high-yield-savings-account?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is A High-Yield Savings Account and Do I Need One?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5049a8fe-a1a1-11ed-a414-9b084c4a5678]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1630396002.mp3?updated=1677188181" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Owe $13,000 In Taxes From My Side Hustle! (Hour 1)</title>
      <description>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

When you should pause investing to pay off your mortgage,

"I owe $13,000 in taxes from my side hustle and don't know what to do."

from the blog: Freelance Taxes 101


How to pick between going straight into the workforce or going to college,

from the blog: Is College Worth It?


How to go to college debt free,

from the blog: How to Pay for College Without Student Loans


How to be disciplined in your budget and avoid impulse purchases,

from the blog: Impulse Buying: Why We Do It And How To Stop


Is moving to be close to family ok when paying off debt?

When to pause the Debt Snowball for health a crisis,

from the blog: When To Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 23 Feb 2023 20:33:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:

When you should pause investing to pay off your mortgage,

"I owe $13,000 in taxes from my side hustle and don't know what to do."

from the blog: Freelance Taxes 101


How to pick between going straight into the workforce or going to college,

from the blog: Is College Worth It?


How to go to college debt free,

from the blog: How to Pay for College Without Student Loans


How to be disciplined in your budget and avoid impulse purchases,

from the blog: Impulse Buying: Why We Do It And How To Stop


Is moving to be close to family ok when paying off debt?

When to pause the Debt Snowball for health a crisis,

from the blog: When To Pause Your Debt Snowball



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>When you should pause investing to pay off your mortgage,</li>
<li>"I owe $13,000 in taxes from my side hustle and don't know what to do."</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/taxes/file-taxes-for-freelance-work?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Freelance Taxes 101</a>
</li>
<li>How to pick between going straight into the workforce or going to college,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/is-college-worth-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is College Worth It?</a>
</li>
<li>How to go to college debt free,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>
</li>
<li>How to be disciplined in your budget and avoid impulse purchases,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/stop-impulse-buys?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Impulse Buying: Why We Do It And How To Stop</a>
</li>
<li>Is moving to be close to family ok when paying off debt?</li>
<li>When to pause the Debt Snowball for health a crisis,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When To Pause Your Debt Snowball</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0a02d6dc-a1a0-11ed-ba6f-8796005082ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2880099243.mp3?updated=1677184580" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>These Extreme Money Hacks Go Too Far… (Hour 3)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"Should I go to law school debt free or buy a house?"

Terrible, extreme ideas for saving money,

"Should we contribute 15% even though my employer also contributes?"

from the blog: Why Should I Invest 15% of My Income for Retirement?


"Should I buy a house with my girlfriend?"

"Someone stole my identity, what should I do?"

from the blog: What to Do If Your Identity Is Stolen


"Mom passed and left the house to her 7 kids. Should we sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Feb 2023 22:30:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"Should I go to law school debt free or buy a house?"

Terrible, extreme ideas for saving money,

"Should we contribute 15% even though my employer also contributes?"

from the blog: Why Should I Invest 15% of My Income for Retirement?


"Should I buy a house with my girlfriend?"

"Someone stole my identity, what should I do?"

from the blog: What to Do If Your Identity Is Stolen


"Mom passed and left the house to her 7 kids. Should we sell it?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I go to law school debt free or buy a house?"</li>
<li>Terrible, extreme ideas for saving money,</li>
<li>"Should we contribute 15% even though my employer also contributes?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/why-should-i-invest-15-of-my-income-for-retirement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Should I Invest 15% of My Income for Retirement?</a>
</li>
<li>"Should I buy a house with my girlfriend?"</li>
<li>"Someone stole my identity, what should I do?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/stolen-identity-what-to-do?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do If Your Identity Is Stolen</a>
</li>
<li>"Mom passed and left the house to her 7 kids. Should we sell it?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f69970c-a1a2-11ed-a352-3b8e76482ea9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9361610823.mp3?updated=1677105171" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Bought 5 Horses on Credit Cards (Hour 2)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"We rent from our in-laws and they may be evicted soon"

Getting finances on track after a divorce,

"My wife bought 5 horses on credit cards",

plus an update on George's #HorseGate saga,

"Should I cash out my 401(k) to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Feb 2023 21:45:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"We rent from our in-laws and they may be evicted soon"

Getting finances on track after a divorce,

"My wife bought 5 horses on credit cards",

plus an update on George's #HorseGate saga,

"Should I cash out my 401(k) to pay off debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"We rent from our in-laws and they may be evicted soon"</li>
<li>Getting finances on track after a divorce,</li>
<li>"My wife bought 5 horses on credit cards",</li>
<li class="ql-indent-1">plus an update on George's #HorseGate saga,</li>
<li>"Should I cash out my 401(k) to pay off debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[50373872-a1a1-11ed-a414-bb357b95c0cd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7514827770.mp3?updated=1677102174" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Be Discouraged by the Returns on My Investments? (Hour 1)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"I feel guilty being a working mom",

"Should I be discouraged by the returns on my investments?"

Student Loan Forgiveness updates,

from the blog: Biden Plans to Forgive Up to $20,000 of Student Loan Debt for Borrowers: What Does It Mean for You?


"Can we save up for a house and invest at the same time?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 22 Feb 2023 20:40:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"I feel guilty being a working mom",

"Should I be discouraged by the returns on my investments?"

Student Loan Forgiveness updates,

from the blog: Biden Plans to Forgive Up to $20,000 of Student Loan Debt for Borrowers: What Does It Mean for You?


"Can we save up for a house and invest at the same time?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I feel guilty being a working mom",</li>
<li>"Should I be discouraged by the returns on my investments?"</li>
<li>Student Loan Forgiveness updates,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/biden-student-loan-forgiveness-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Biden Plans to Forgive Up to $20,000 of Student Loan Debt for Borrowers: What Does It Mean for You?</a>
</li>
<li>"Can we save up for a house and invest at the same time?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[09ed2ecc-a1a0-11ed-ba6f-3fdd4ba43b38]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8222817305.mp3?updated=1677098527" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off the House and Get Rich With Your Old House Payment! (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I have $400k in cash... should I pay off my house?"

Setting up life insurance to go to your children,

from the blog: What Is Life Insurance?


"Should I drop out of college to take a job?"

Avoiding a reverse mortgage,

from the blog: What Is a Reverse Mortgage?


"We bought a house with a solar lease"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Feb 2023 22:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"I have $400k in cash... should I pay off my house?"

Setting up life insurance to go to your children,

from the blog: What Is Life Insurance?


"Should I drop out of college to take a job?"

Avoiding a reverse mortgage,

from the blog: What Is a Reverse Mortgage?


"We bought a house with a solar lease"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I have $400k in cash... should I pay off my house?"</li>
<li>Setting up life insurance to go to your children,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/what-is-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Life Insurance?</a>
</li>
<li>"Should I drop out of college to take a job?"</li>
<li>Avoiding a reverse mortgage,</li>
<li class="ql-indent-1">from the blog:<a href="https://www.ramseysolutions.com/real-estate/how-reverse-mortgages-work?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs"> What Is a Reverse Mortgage?</a>
</li>
<li>"We bought a house with a solar lease"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f566d76-a1a2-11ed-a352-4bedeef009cb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5296801958.mp3?updated=1677018759" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pull Money From Retirement? (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My job no longer aligns with my values",

"Should I pull from retirement to pay off the house?"

"How can I recapture depreciation on my rental property?"

"I'm in Baby Step 3 and feel like we won't have enough for retirement",

"Should I sell my annuity to pay off all my vehicles?"

Calculating capital gains tax on investments.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Feb 2023 21:30:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"My job no longer aligns with my values",

"Should I pull from retirement to pay off the house?"

"How can I recapture depreciation on my rental property?"

"I'm in Baby Step 3 and feel like we won't have enough for retirement",

"Should I sell my annuity to pay off all my vehicles?"

Calculating capital gains tax on investments.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My job no longer aligns with my values",</li>
<li>"Should I pull from retirement to pay off the house?"</li>
<li>"How can I recapture depreciation on my rental property?"</li>
<li>"I'm in Baby Step 3 and feel like we won't have enough for retirement",</li>
<li>"Should I sell my annuity to pay off all my vehicles?"</li>
<li>Calculating capital gains tax on investments.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2493</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5024d3d0-a1a1-11ed-a414-a37402176d52]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9087971591.mp3?updated=1677015048" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest While I'm Still in Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Does it ever make sense to invest while you're still in debt?"

from the blog: When You Should Stop Investing,

"I'm recently widowed and wondering how I should budget on my own",

"Should I keep my long-term care insurance?"

from the blog: Long-Term Care Insurance Explained,

Saving up for a house after college,

"Should I invest in stocks or the equity of my home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 21 Feb 2023 20:35:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Does it ever make sense to invest while you're still in debt?"

from the blog: When You Should Stop Investing,

"I'm recently widowed and wondering how I should budget on my own",

"Should I keep my long-term care insurance?"

from the blog: Long-Term Care Insurance Explained,

Saving up for a house after college,

"Should I invest in stocks or the equity of my home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Does it ever make sense to invest while you're still in debt?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>,</li>
<li>"I'm recently widowed and wondering how I should budget on my own",</li>
<li>"Should I keep my long-term care insurance?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/long-term-care-insurance-explained?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Long-Term Care Insurance Explained</a>,</li>
<li>Saving up for a house after college,</li>
<li>"Should I invest in stocks or the equity of my home?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2483</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[09d6d97e-a1a0-11ed-ba6f-37abc04909b4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5180847848.mp3?updated=1677012057" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Budget for a Small Business? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss around business and leadership:

Budgeting for business,

"When should we buy an office space?"

"I feel like I don't have money to grow the business,"

"How do I get my business out of debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Feb 2023 22:30:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss around business and leadership:

Budgeting for business,

"When should we buy an office space?"

"I feel like I don't have money to grow the business,"

"How do I get my business out of debt?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss around business and leadership:</p><ul>
<li>Budgeting for business,</li>
<li>"When should we buy an office space?"</li>
<li>"I feel like I don't have money to grow the business,"</li>
<li>"How do I get my business out of debt?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2508</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f42a110-a1a2-11ed-a352-6334403f8835]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1331342017.mp3?updated=1676932278" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Listen to Your Wife, She’s Smarter Than You Are (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Struggling working the baby steps while building a house, 

"Should I pay off my car if I might lose my job soon?"

"Should we separate our savings accounts?"

Paying off a vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Feb 2023 21:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:

 Struggling working the baby steps while building a house, 

"Should I pay off my car if I might lose my job soon?"

"Should we separate our savings accounts?"

Paying off a vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><ul>
<li> Struggling working the baby steps while building a house, </li>
<li>"Should I pay off my car if I might lose my job soon?"</li>
<li>"Should we separate our savings accounts?"</li>
<li>Paying off a vehicle.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[50126b5a-a1a1-11ed-a414-af284128f57c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4469693077.mp3?updated=1676928402" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Congrats, You Got Evicted From Hell! (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss: 

What to do with a severance payout after a layoff,

from the blog: What to Do if You’re Laid Off,

"Our daughter just got pregnant; should we help her financially?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 20 Feb 2023 20:45:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss: 

What to do with a severance payout after a layoff,

from the blog: What to Do if You’re Laid Off,

"Our daughter just got pregnant; should we help her financially?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss: </p><ul>
<li>What to do with a severance payout after a layoff,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/career-advice/what-to-do-if-you-get-laid-off?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do if You’re Laid Off</a>,</li>
<li>"Our daughter just got pregnant; should we help her financially?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[09c014be-a1a0-11ed-ba6f-a37d4ff69f94]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7425924017.mp3?updated=1676925002" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Living Life Without a Credit Score (Hour 3)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

Getting an apartment without a credit score,

from the blog: Living Without a Credit Score,

Choosing health insurance,

Planning for a loss of income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Feb 2023 22:26:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

Getting an apartment without a credit score,

from the blog: Living Without a Credit Score,

Choosing health insurance,

Planning for a loss of income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>Getting an apartment without a credit score,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without a Credit Score</a>,</li>
<li>Choosing health insurance,</li>
<li>Planning for a loss of income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2510</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3bdc9db2-a1a2-11ed-a3d2-d3288ba21913]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7650321711.mp3?updated=1676673108" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Amputate the Tesla! (Hour 2)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"I want a new job but I can't lose my insurance",

Saving for a new home vs. paying down the current house",

Random Acts of Kindness Day,

"Should I pay cash for my next car?"

Pausing investing to pay off debt,

"I co-signed on a car loan for my son"

 from the blog: The Truth About Debt and Relationships



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Feb 2023 21:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"I want a new job but I can't lose my insurance",

Saving for a new home vs. paying down the current house",

Random Acts of Kindness Day,

"Should I pay cash for my next car?"

Pausing investing to pay off debt,

"I co-signed on a car loan for my son"

 from the blog: The Truth About Debt and Relationships



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"I want a new job but I can't lose my insurance",</li>
<li>Saving for a new home vs. paying down the current house",</li>
<li>Random Acts of Kindness Day,</li>
<li>"Should I pay cash for my next car?"</li>
<li>Pausing investing to pay off debt,</li>
<li>"I co-signed on a car loan for my son"</li>
<li> from the blog: <a href="https://www.ramseysolutions.com/debt/the-truth-about-debt-and-relationships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Truth About Debt and Relationships</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2515</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e7d7144-a1a1-11ed-a997-67a523001105]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9683382864.mp3?updated=1676669778" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Literally Flushing Money Down the Toilet (Hour 1)</title>
      <description>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should we pause the baby steps to prepare for a baby?" 

from the blog: Your Top Debt Snowball Questions Answered


Renting vs. buying when you're in the military,

"Where do I go after baby step 2?"

Adjusting and sacrificing lifestyle instead of going into debt,

"Should I move out of my parents' house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 17 Feb 2023 20:30:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:

"Should we pause the baby steps to prepare for a baby?" 

from the blog: Your Top Debt Snowball Questions Answered


Renting vs. buying when you're in the military,

"Where do I go after baby step 2?"

Adjusting and sacrificing lifestyle instead of going into debt,

"Should I move out of my parents' house?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; Rachel Cruze answer your questions and discuss:</p><ul>
<li>"Should we pause the baby steps to prepare for a baby?" </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/top-5-debt-snowball-questions-answered?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Your Top Debt Snowball Questions Answered</a>
</li>
<li>Renting vs. buying when you're in the military,</li>
<li>"Where do I go after baby step 2?"</li>
<li>Adjusting and sacrificing lifestyle instead of going into debt,</li>
<li>"Should I move out of my parents' house?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Take our FREE 3 minute assessment: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7ddba96-a19f-11ed-8231-07abc77152be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6427019288.mp3?updated=1676665809" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Higher Education Worth the Cost? (Hour 3)</title>
      <description>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

Getting momentum back after pausing the baby steps,

"Is higher education worth the debt?",

"I feel underpaid and not sure what the issue is",

The mental health effects of student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Feb 2023 22:31:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

Getting momentum back after pausing the baby steps,

"Is higher education worth the debt?",

"I feel underpaid and not sure what the issue is",

The mental health effects of student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>Getting momentum back after pausing the baby steps,</li>
<li>"Is higher education worth the debt?",</li>
<li>"I feel underpaid and not sure what the issue is",</li>
<li>The mental health effects of student loans.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2481</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3bc65e94-a1a2-11ed-a3d2-379c1223b9c2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5167782359.mp3?updated=1676587005" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are We Ready To Buy a House Right Now? (Hour 2)</title>
      <description>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

"Are we ready to buy a house right now?"

Delony reacts to a study finding "Five ways credit cards can improve your mental health",

from the blog: Do I Need a Credit Card?,

"Should we move to another state?"

Saving money on groceries.

from the blog: How to Save Money on Groceries



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Feb 2023 21:25:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

"Are we ready to buy a house right now?"

Delony reacts to a study finding "Five ways credit cards can improve your mental health",

from the blog: Do I Need a Credit Card?,

"Should we move to another state?"

Saving money on groceries.

from the blog: How to Save Money on Groceries



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"Are we ready to buy a house right now?"</li>
<li>Delony reacts to a study finding "Five ways credit cards can improve your mental health",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/excuses-to-keep-credit-cards?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Do I Need a Credit Card?</a>,</li>
<li>"Should we move to another state?"</li>
<li>Saving money on groceries.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/ways-to-save-on-groceries?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save Money on Groceries</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e6621d8-a1a1-11ed-a997-770597eaf717]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8910336197.mp3?updated=1676582714" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Live in Fear, Take Control of Your Debt! (Hour 1)</title>
      <description>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

"Do I need to move to save money?" 

"I'm drowning in debt and worried I'll lose my car"

from the blog: How Does Car Repossession Work?


The high cost of counseling,

"Should I pay off my ex to avoid giving her a share of my pension?"

"I'm being sued by Wells Fargo"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 16 Feb 2023 20:25:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:
 

"Do I need to move to save money?" 

"I'm drowning in debt and worried I'll lose my car"

from the blog: How Does Car Repossession Work?


The high cost of counseling,

"Should I pay off my ex to avoid giving her a share of my pension?"

"I'm being sued by Wells Fargo"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"Do I need to move to save money?" </li>
<li>"I'm drowning in debt and worried I'll lose my car"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/car-repossession?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Does Car Repossession Work?</a>
</li>
<li>The high cost of counseling,</li>
<li>"Should I pay off my ex to avoid giving her a share of my pension?"</li>
<li>"I'm being sued by Wells Fargo"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2509</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7c4146a-a19f-11ed-8231-732972f4cf3a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6626340915.mp3?updated=1676579099" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do Something Different Even if It’s Hard (Hour 3)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"My boyfriend wants me to move in with him",

The effect of social media on kids,

"How can I start a non-profit?",

"Should I sell my cars before moving to Germany?",

Making a career change.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Feb 2023 22:33:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"My boyfriend wants me to move in with him",

The effect of social media on kids,

"How can I start a non-profit?",

"Should I sell my cars before moving to Germany?",

Making a career change.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"My boyfriend wants me to move in with him",</li>
<li>The effect of social media on kids,</li>
<li>"How can I start a non-profit?",</li>
<li>"Should I sell my cars before moving to Germany?",</li>
<li>Making a career change.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3baef3b2-a1a2-11ed-a3d2-7784c3de21db]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7249486352.mp3?updated=1676500087" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Don’t Trust My Boyfriend With Money (Hour 2)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"Things that business leaders get wrong",

"I don't trust my boyfriend with money",

"Is it time for a change?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Feb 2023 21:49:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"Things that business leaders get wrong",

"I don't trust my boyfriend with money",

"Is it time for a change?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"Things that business leaders get wrong",</li>
<li>"I don't trust my boyfriend with money",</li>
<li>"Is it time for a change?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e4ef418-a1a1-11ed-a997-3f2b06282cb6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1963935575.mp3?updated=1676497560" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Remember: It’s a Starter House Not a Dream House (Hour 1)</title>
      <description>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"I'm not sure what I want to do for a career",

Saving for a starter home, and why you shouldn't let comparison drive your decision,

from the blog: How to Save for a House,

"What should I do for work after I retire?",

"I can't get a promotion in the family business".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 15 Feb 2023 20:39:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:
 

"I'm not sure what I want to do for a career",

Saving for a starter home, and why you shouldn't let comparison drive your decision,

from the blog: How to Save for a House,

"What should I do for work after I retire?",

"I can't get a promotion in the family business".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"I'm not sure what I want to do for a career",</li>
<li>Saving for a starter home, and why you shouldn't let comparison drive your decision,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-save-money-to-buy-a-house?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Save for a House</a>,</li>
<li>"What should I do for work after I retire?",</li>
<li>"I can't get a promotion in the family business".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2567</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7ab52ea-a19f-11ed-8231-abedad516f63]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2577600052.mp3?updated=1676493141" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Get Sucked Into the Negative News Cycle! (Hour 3)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

"Should I pull from my retirement and pay off my vehicles?",

Americans are feeling worse about their money,

"Leaving a pension to make more money elsewhere",

from the blog: Why a 401(k) Is Better Than a Pension Plan,

"I don't feel comfortable combining finances"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Feb 2023 22:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

"Should I pull from my retirement and pay off my vehicles?",

Americans are feeling worse about their money,

"Leaving a pension to make more money elsewhere",

from the blog: Why a 401(k) Is Better Than a Pension Plan,

"I don't feel comfortable combining finances"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"Should I pull from my retirement and pay off my vehicles?",</li>
<li>Americans are feeling worse about their money,</li>
<li>"Leaving a pension to make more money elsewhere",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/401k-vs-pension-for-retirement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why a 401(k) Is Better Than a Pension Plan</a>,</li>
<li>"I don't feel comfortable combining finances"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3b99a0b6-a1a2-11ed-a3d2-03eba24c5441]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8586259305.mp3?updated=1676413578" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Trapped When Discussing Finances in My Marriage (Hour 2)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

Renting a car without a credit card,

"I feel trapped discussing finances in my marriage",

"Should I sell my house to start a business?"

Top 10 Ramsey Pickup Lines.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Feb 2023 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

Renting a car without a credit card,

"I feel trapped discussing finances in my marriage",

"Should I sell my house to start a business?"

Top 10 Ramsey Pickup Lines.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>Renting a car without a credit card,</li>
<li>"I feel trapped discussing finances in my marriage",</li>
<li>"Should I sell my house to start a business?"</li>
<li>Top 10 Ramsey Pickup Lines.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e363f2c-a1a1-11ed-a997-cf6665cfc816]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4286468768.mp3?updated=1676410443" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Whole Thing Sounds Like a Mess (Hour 1)</title>
      <description>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

Dealing with a messy financial situation in a relationship,

Mindset around wealth, discussing a recent viral video from a Chad Johnson interview,

"Should I skip Baby Step 3?",

Selling a fancy new car,

"How much fun money should we budget for?"

from the blog: Why You Need Some Fun Money in Your Budget



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 14 Feb 2023 20:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:
 

Dealing with a messy financial situation in a relationship,

Mindset around wealth, discussing a recent viral video from a Chad Johnson interview,

"Should I skip Baby Step 3?",

Selling a fancy new car,

"How much fun money should we budget for?"

from the blog: Why You Need Some Fun Money in Your Budget



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>Dealing with a messy financial situation in a relationship,</li>
<li>Mindset around wealth, discussing a recent viral video from a Chad Johnson interview,</li>
<li>"Should I skip Baby Step 3?",</li>
<li>Selling a fancy new car,</li>
<li>"How much fun money should we budget for?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/fun-money-in-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why You Need Some Fun Money in Your Budget</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d79249f8-a19f-11ed-8231-d300d5451c04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2679909447.mp3?updated=1676406716" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When should I start investing? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

"Should I start investing at 14-years-old?",

The affordability of a spouse staying at home,

"Should we sell our car?",

Zoom layoffs,

Pulling from savings to pay medical bills,

Moving out of state,

from the blog: Ramsey Cost of Living Calculator 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Feb 2023 22:26:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

"Should I start investing at 14-years-old?",

The affordability of a spouse staying at home,

"Should we sell our car?",

Zoom layoffs,

Pulling from savings to pay medical bills,

Moving out of state,

from the blog: Ramsey Cost of Living Calculator 


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>"Should I start investing at 14-years-old?",</li>
<li>The affordability of a spouse staying at home,</li>
<li>"Should we sell our car?",</li>
<li>Zoom layoffs,</li>
<li>Pulling from savings to pay medical bills,</li>
<li>Moving out of state,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Cost of Living Calculator</a> </li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3b7f169c-a1a2-11ed-a3d2-231419f581d1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2018069610.mp3?updated=1676327138" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off Debt or Invest? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

"Should we stop investing while in Baby Step 2?",

"Can my son be the beneficiary for my insurance?",

"Should we save extra income to pay off debt?"

How to respond to a low salary job offer,

"Should I save for retirement or pay off my debt?"

"Should I keep building my emergency fund or invest?"

"What should we do after paying off our home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Feb 2023 21:40:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

"Should we stop investing while in Baby Step 2?",

"Can my son be the beneficiary for my insurance?",

"Should we save extra income to pay off debt?"

How to respond to a low salary job offer,

"Should I save for retirement or pay off my debt?"

"Should I keep building my emergency fund or invest?"

"What should we do after paying off our home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>"Should we stop investing while in Baby Step 2?",</li>
<li>"Can my son be the beneficiary for my insurance?",</li>
<li>"Should we save extra income to pay off debt?"</li>
<li>How to respond to a low salary job offer,</li>
<li>"Should I save for retirement or pay off my debt?"</li>
<li>"Should I keep building my emergency fund or invest?"</li>
<li>"What should we do after paying off our home?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e1ca85a-a1a1-11ed-a997-7bf2dc6f19bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2476257110.mp3?updated=1676324299" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Not Happy at My Job and Want To Make More Money (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

I'm not happy at my job and want to make more money,

The problem with a YOLO mentality around money,

Preparing to move,

What to do with life insurance money,

"Should I put money in a CD while I learn to invest?"

from the blog: How to Start Investing: A Beginner’s Guide


 Pausing Baby Step 2 for a new furnace.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 13 Feb 2023 21:25:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:
 

I'm not happy at my job and want to make more money,

The problem with a YOLO mentality around money,

Preparing to move,

What to do with life insurance money,

"Should I put money in a CD while I learn to invest?"

from the blog: How to Start Investing: A Beginner’s Guide


 Pausing Baby Step 2 for a new furnace.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>I'm not happy at my job and want to make more money,</li>
<li>The problem with a YOLO mentality around money,</li>
<li>Preparing to move,</li>
<li>What to do with life insurance money,</li>
<li>"Should I put money in a CD while I learn to invest?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Start Investing: A Beginner’s Guide</a>
</li>
<li> Pausing Baby Step 2 for a new furnace.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d777ac56-a19f-11ed-8231-a3133ff5ff56]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2745698495.mp3?updated=1676323536" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Roommate Isn’t Paying His Share of the Rent (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

"My roommate isn't paying his share of the rent",

George &amp; Kristina read song lyrics Dave Ramsey from ChatGPT (lyrics below),

How to get health insurance when your job doesn't provide it,

from the blog: Health Insurance FAQs,

Handling larger expenses in Baby Step 2,

George tells his story.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

A Song About Dave Ramsey
by ChatGPT

Verse 1:
He'll teach you how to save your cash
And make your money grow,
He'll show you how to live below
Your means and let it flow.
Chorus:
Dave Ramsey, he's the man,
With financial wisdom in his hand,
He'll guide you through the ups and downs,
On the road to financial soundness.
Verse 2:
He'll teach you how to pay off debt
And not to live in fear,
He'll show you how to invest
For a future that is clear.
Bridge:
He's got a plan for you and me,
To live a life of financial glee,
So listen to his words of advice,
And you'll be living the good life, twice.
Outro:
So take his advice and run,
And you'll see the money come,
Dave Ramsey, he's the man,
With financial wisdom in his hand.


Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Feb 2023 22:31:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

"My roommate isn't paying his share of the rent",

George &amp; Kristina read song lyrics Dave Ramsey from ChatGPT (lyrics below),

How to get health insurance when your job doesn't provide it,

from the blog: Health Insurance FAQs,

Handling larger expenses in Baby Step 2,

George tells his story.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

A Song About Dave Ramsey
by ChatGPT

Verse 1:
He'll teach you how to save your cash
And make your money grow,
He'll show you how to live below
Your means and let it flow.
Chorus:
Dave Ramsey, he's the man,
With financial wisdom in his hand,
He'll guide you through the ups and downs,
On the road to financial soundness.
Verse 2:
He'll teach you how to pay off debt
And not to live in fear,
He'll show you how to invest
For a future that is clear.
Bridge:
He's got a plan for you and me,
To live a life of financial glee,
So listen to his words of advice,
And you'll be living the good life, twice.
Outro:
So take his advice and run,
And you'll see the money come,
Dave Ramsey, he's the man,
With financial wisdom in his hand.


Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>"My roommate isn't paying his share of the rent",</li>
<li>George &amp; Kristina read song lyrics Dave Ramsey from ChatGPT (lyrics below),</li>
<li>How to get health insurance when your job doesn't provide it,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/health-insurance/faqs?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Health Insurance FAQs</a>,</li>
<li>Handling larger expenses in Baby Step 2,</li>
<li>George tells his story.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p><strong>A Song About Dave Ramsey</strong></p><p>by ChatGPT</p><p><br></p><p><strong>Verse 1:</strong></p><p>He'll teach you how to save your cash</p><p>And make your money grow,</p><p>He'll show you how to live below</p><p>Your means and let it flow.</p><p><strong>Chorus:</strong></p><p>Dave Ramsey, he's the man,</p><p>With financial wisdom in his hand,</p><p>He'll guide you through the ups and downs,</p><p>On the road to financial soundness.</p><p><strong>Verse 2:</strong></p><p>He'll teach you how to pay off debt</p><p>And not to live in fear,</p><p>He'll show you how to invest</p><p>For a future that is clear.</p><p><strong>Bridge:</strong></p><p>He's got a plan for you and me,</p><p>To live a life of financial glee,</p><p>So listen to his words of advice,</p><p>And you'll be living the good life, twice.</p><p><strong>Outro:</strong></p><p>So take his advice and run,</p><p>And you'll see the money come,</p><p>Dave Ramsey, he's the man,</p><p>With financial wisdom in his hand.</p><p><br></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbeea5a6-a1a1-11ed-b82d-af42079f21b2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3926968523.mp3?updated=1676068256" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Can’t Afford It, It’s Not a Dream Home (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

"Do we rent in a bad area to save money?"

Kristina's #FrugalFebruary challenge,

Getting a good return out of an IRA,

"Should we build credit to buy a house?"

from the blog: The Best Way to Improve Your Credit Score,

"My mom stole the money I had saved for a car".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Feb 2023 21:30:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

"Do we rent in a bad area to save money?"

Kristina's #FrugalFebruary challenge,

Getting a good return out of an IRA,

"Should we build credit to buy a house?"

from the blog: The Best Way to Improve Your Credit Score,

"My mom stole the money I had saved for a car".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>"Do we rent in a bad area to save money?"</li>
<li>Kristina's #FrugalFebruary challenge,</li>
<li>Getting a good return out of an IRA,</li>
<li>"Should we build credit to buy a house?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/the-number-one-way-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Best Way to Improve Your Credit Score</a>,</li>
<li>"My mom stole the money I had saved for a car".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e067130a-a1a0-11ed-9088-9fe5de977475]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8888008246.mp3?updated=1676064821" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Owe More on Student Loans Than My Mortgage! (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

When to pay off medical debt,

from the blog: How to Ease the Burden of Medical Debt


Super Bowl sports betting amid record inflation, 

Investing vs. paying off the house,

"My boyfriend doesn't believe in the Baby Steps",

What to do with money leftover in an ESA account.

from the blog: ESA vs. 529: Which Is Better for You?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 10 Feb 2023 20:28:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:
 

When to pay off medical debt,

from the blog: How to Ease the Burden of Medical Debt


Super Bowl sports betting amid record inflation, 

Investing vs. paying off the house,

"My boyfriend doesn't believe in the Baby Steps",

What to do with money leftover in an ESA account.

from the blog: ESA vs. 529: Which Is Better for You?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>When to pay off medical debt,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/ease-the-burden-medical-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Ease the Burden of Medical Debt</a>
</li>
<li>Super Bowl sports betting amid record inflation, </li>
<li>Investing vs. paying off the house,</li>
<li>"My boyfriend doesn't believe in the Baby Steps",</li>
<li>What to do with money leftover in an ESA account.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/esa-529-comparison?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">ESA vs. 529: Which Is Better for You?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98548fb2-a19f-11ed-ba6f-4337df8e67da]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6178279594.mp3?updated=1676060810" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Be an Enabler When It Comes to Money (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"How can I help my in-laws who are being evicted?",

"My mom keeps giving me money even though I know she has bad spending habit",

"How do I get out of my 19% interest car loan?",

 "We haven't combined finances in 20 years".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Feb 2023 22:26:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"How can I help my in-laws who are being evicted?",

"My mom keeps giving me money even though I know she has bad spending habit",

"How do I get out of my 19% interest car loan?",

 "We haven't combined finances in 20 years".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"How can I help my in-laws who are being evicted?",</li>
<li>"My mom keeps giving me money even though I know she has bad spending habit",</li>
<li>"How do I get out of my 19% interest car loan?",</li>
<li> "We haven't combined finances in 20 years".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbda344a-a1a1-11ed-b82d-837e13b5600e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5687267692.mp3?updated=1675981609" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Can’t Sleep Because of My Debt (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"I thought I would feel more peace in Baby Step 7",

"I can't sleep because of my debt",

How long to be gazelle intense, 

from the blog: Gazelle Intensity: Do You Have It?


"My wife wants us to upgrade in home but I don't want to borrow more money for it",

"Should I pay off my future wife's Parent PLUS loans when we get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Feb 2023 21:30:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"I thought I would feel more peace in Baby Step 7",

"I can't sleep because of my debt",

How long to be gazelle intense, 

from the blog: Gazelle Intensity: Do You Have It?


"My wife wants us to upgrade in home but I don't want to borrow more money for it",

"Should I pay off my future wife's Parent PLUS loans when we get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"I thought I would feel more peace in Baby Step 7",</li>
<li>"I can't sleep because of my debt",</li>
<li>How long to be gazelle intense, </li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/gazelle-intensity-do-you-have-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Gazelle Intensity: Do You Have It?</a>
</li>
<li>"My wife wants us to upgrade in home but I don't want to borrow more money for it",</li>
<li>"Should I pay off my future wife's Parent PLUS loans when we get married?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2582</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e0522134-a1a0-11ed-9088-3bcb8d046bc1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7214334034.mp3?updated=1675978047" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Put 20% Down on My Home? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"How should I think through caring for a father who drank himself into disability?",

"Should I put 20% down on my home?",

from the blog: What Is Private Mortgage Insurance (PMI) and How Does It Work?


"Should I use a HELOC to pay my student loans?",

"What's the best way for me to save and invest money?"

"Should we buy a house before we get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 09 Feb 2023 20:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"How should I think through caring for a father who drank himself into disability?",

"Should I put 20% down on my home?",

from the blog: What Is Private Mortgage Insurance (PMI) and How Does It Work?


"Should I use a HELOC to pay my student loans?",

"What's the best way for me to save and invest money?"

"Should we buy a house before we get married?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"How should I think through caring for a father who drank himself into disability?",</li>
<li>"Should I put 20% down on my home?",</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/real-estate/what-is-pmi-private-mortgage-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Private Mortgage Insurance (PMI) and How Does It Work?</a>
</li>
<li>"Should I use a HELOC to pay my student loans?",</li>
<li>"What's the best way for me to save and invest money?"</li>
<li>"Should we buy a house before we get married?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2579</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[983f8586-a19f-11ed-ba6f-cf4977e3b70b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8960896465.mp3?updated=1675975047" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>HELOC vs. a New House/Mortgage (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

"Should we empty savings to pay off the house?"

Home improvement loan vs. new mortgage,

"Does a backdoor Roth IRA make sense for me?"

from the blog: The SECURE 2.0 Act: Everything You Need to Know


 Saving for a house vs. focusing on investing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Feb 2023 22:25:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

"Should we empty savings to pay off the house?"

Home improvement loan vs. new mortgage,

"Does a backdoor Roth IRA make sense for me?"

from the blog: The SECURE 2.0 Act: Everything You Need to Know


 Saving for a house vs. focusing on investing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>"Should we empty savings to pay off the house?"</li>
<li>Home improvement loan vs. new mortgage,</li>
<li>"Does a backdoor Roth IRA make sense for me?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/secure-act-2?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The SECURE 2.0 Act: Everything You Need to Know</a>
</li>
<li> Saving for a house vs. focusing on investing.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbc294b6-a1a1-11ed-b82d-ab892b10c017]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9455577029.mp3?updated=1675895271" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife and I Disagree on How To Pay Off Debt (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

"Should we buy a house if we're moving soon?" 

The best way to pull retirement funds,

"My wife and I disagree on how to pay off debt",

Chuck &amp; Cindy do a powerful &amp; emotional debt-free scream from the hospice bed,

"Where does a 401(k) loan go in the debt snowball?"

from the blog: How the Debt Snowball Method Works



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Feb 2023 21:37:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

"Should we buy a house if we're moving soon?" 

The best way to pull retirement funds,

"My wife and I disagree on how to pay off debt",

Chuck &amp; Cindy do a powerful &amp; emotional debt-free scream from the hospice bed,

"Where does a 401(k) loan go in the debt snowball?"

from the blog: How the Debt Snowball Method Works



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>"Should we buy a house if we're moving soon?" </li>
<li>The best way to pull retirement funds,</li>
<li>"My wife and I disagree on how to pay off debt",</li>
<li>Chuck &amp; Cindy do a powerful &amp; emotional debt-free scream from the hospice bed,</li>
<li>"Where does a 401(k) loan go in the debt snowball?"</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How the Debt Snowball Method Works</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e038f2cc-a1a0-11ed-9088-d7aa83acefee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3337781991.mp3?updated=1675892369" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>10 Things You Need To Know About the Secure Act 2.0 (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

Selling stocks to pay off the house,

Dealing with buyer's remorse on a recent house purchase.

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget



10 things you need to know about The Secure Act 2.0,

"Should I tithe on my tax refund?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 08 Feb 2023 20:27:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel answer your questions and discuss:
 

Selling stocks to pay off the house,

Dealing with buyer's remorse on a recent house purchase.

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget



10 things you need to know about The Secure Act 2.0,

"Should I tithe on my tax refund?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel answer your questions and discuss:</p><p> </p><ul>
<li>Selling stocks to pay off the house,</li>
<li>Dealing with buyer's remorse on a recent house purchase.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/keep-home-repairs-from-busting-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Keep 3 Common Home Repairs From Busting Your Budget</a>
</li>
<li>
<a href="https://www.ramseysolutions.com/retirement/secure-act-2?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">10 things you need to know about The Secure Act 2.0</a>,</li>
<li>"Should I tithe on my tax refund?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[982b5d0e-a19f-11ed-ba6f-af05d2986037]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4935745567.mp3?updated=1675888084" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Stay Motivated in the Baby Steps? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

Staying motived on your debt-payoff journey,

Selling an investment property,

Paying off debt during a layoff,

Finding a good side hustle,

Why Whole Life insurance sucks.

from the blog: What Is Whole Life Insurance?


Investing time in your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Feb 2023 22:30:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

Staying motived on your debt-payoff journey,

Selling an investment property,

Paying off debt during a layoff,

Finding a good side hustle,

Why Whole Life insurance sucks.

from the blog: What Is Whole Life Insurance?


Investing time in your kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>Staying motived on your debt-payoff journey,</li>
<li>Selling an investment property,</li>
<li>Paying off debt during a layoff,</li>
<li>Finding a good side hustle,</li>
<li>Why Whole Life insurance sucks.</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/insurance/whole-life-insurance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Whole Life Insurance?</a>
</li>
<li>Investing time in your kids.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbac967a-a1a1-11ed-b82d-277c38bb1f4e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7312192204.mp3?updated=1675809020" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Hot Water Heater Busted &amp; My Emergency Fund Won’t Cover It (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"My hot water heater busted and my emergency fund won't cover it."

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget


"I'm having a hard time getting my wife on board with cutting up our credit cards",

Using an inheritance to pay off a house,

Investing more in the market while it's down.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Feb 2023 21:32:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

"My hot water heater busted and my emergency fund won't cover it."

from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget


"I'm having a hard time getting my wife on board with cutting up our credit cards",

Using an inheritance to pay off a house,

Investing more in the market while it's down.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>"My hot water heater busted and my emergency fund won't cover it."</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/budgeting/keep-home-repairs-from-busting-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Keep 3 Common Home Repairs From Busting Your Budget</a>
</li>
<li>"I'm having a hard time getting my wife on board with cutting up our credit cards",</li>
<li>Using an inheritance to pay off a house,</li>
<li>Investing more in the market while it's down.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e01d44f0-a1a0-11ed-9088-b3618bd9ea64]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4685357653.mp3?updated=1675805841" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Retire Early? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

The comfort crisis in America,

Thinking through early retirement,

from the blog: What Is the F.I.R.E. Movement?


Paying off the house vs. saving for retirement,

Selling a rental property while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 07 Feb 2023 21:21:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:
 

The comfort crisis in America,

Thinking through early retirement,

from the blog: What Is the F.I.R.E. Movement?


Paying off the house vs. saving for retirement,

Selling a rental property while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony answer your questions and discuss:</p><p> </p><ul>
<li>The comfort crisis in America,</li>
<li>Thinking through early retirement,</li>
<li class="ql-indent-1">from the blog: <a href="https://www.ramseysolutions.com/retirement/what-is-the-fire-movement?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is the F.I.R.E. Movement?</a>
</li>
<li>Paying off the house vs. saving for retirement,</li>
<li>Selling a rental property while paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98171c18-a19f-11ed-ba6f-434192228542]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5283647276.mp3?updated=1675805130" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off the House or Invest More? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"Should I invest less to pay more on my house?" 

Getting rid of a car lease,

Catching up on investing,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Feb 2023 22:53:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"Should I invest less to pay more on my house?" 

Getting rid of a car lease,

Catching up on investing,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"Should I invest less to pay more on my house?" </li>
<li>Getting rid of a car lease,</li>
<li>Catching up on investing,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb9700bc-a1a1-11ed-b82d-8790f2965978]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4845692990.mp3?updated=1675724284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re Not on the Same Page and Considering Divorce (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"We're in a financial mess, what can we do?",

Gilbert &amp; Michelle pay off $113,417 in 39 months!

"My wife has $24K in debt that I didn't know about".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Feb 2023 21:25:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

"We're in a financial mess, what can we do?",

Gilbert &amp; Michelle pay off $113,417 in 39 months!

"My wife has $24K in debt that I didn't know about".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>"We're in a financial mess, what can we do?",</li>
<li>Gilbert &amp; Michelle pay off $113,417 in 39 months!</li>
<li>"My wife has $24K in debt that I didn't know about".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e001d4cc-a1a0-11ed-9088-278b27a3c54c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4635478659.mp3?updated=1675718822" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is the Money in My Savings Account Just “Melting Ice”? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

Dealing with family estate drama,

When money in savings becomes like "melting ice",

Retirement accounts,

Join Jade's FPU Class!

Dealing with increasing home insurance rates.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 06 Feb 2023 20:52:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

Dealing with family estate drama,

When money in savings becomes like "melting ice",

Retirement accounts,

Join Jade's FPU Class!

Dealing with increasing home insurance rates.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>Dealing with family estate drama,</li>
<li>When money in savings becomes like "melting ice",</li>
<li>Retirement accounts,</li>
<li><a href="https://www.ramseysolutions.com/ramseyplus/classes/1159611">Join Jade's FPU Class!</a></li>
<li>Dealing with increasing home insurance rates.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9802d104-a19f-11ed-ba6f-3fd0bea36564]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2033732582.mp3?updated=1675716724" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Need To Buy A House, You're Broke! (Hour 3)</title>
      <description>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

How to pay a doctorate debt free,

from the blog: How to Pay for College Without Student Loans


The things you should take into consideration when moving across the country,

from the blog: Ramsey Relocation Guide


How you and your spouse can get on the same page with finances when living paycheck to paycheck,

from the blog: Money and Marriage: 7 Tips for a Healthy Relationship


"I feel like a hypocrite for taking out a mortgage"

from the blog: How Much House Can I Afford?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Feb 2023 22:28:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

How to pay a doctorate debt free,

from the blog: How to Pay for College Without Student Loans


The things you should take into consideration when moving across the country,

from the blog: Ramsey Relocation Guide


How you and your spouse can get on the same page with finances when living paycheck to paycheck,

from the blog: Money and Marriage: 7 Tips for a Healthy Relationship


"I feel like a hypocrite for taking out a mortgage"

from the blog: How Much House Can I Afford?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>How to pay a doctorate debt free,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>
</li>
<li>The things you should take into consideration when moving across the country,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/relocation-guide?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Ramsey Relocation Guide</a>
</li>
<li>How you and your spouse can get on the same page with finances when living paycheck to paycheck,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/the-truth-about-money-and-relationships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Money and Marriage: 7 Tips for a Healthy Relationship</a>
</li>
<li>"I feel like a hypocrite for taking out a mortgage"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Much House Can I Afford?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58ea0366-9376-11ed-8892-1751a3e129c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4670564356.mp3?updated=1675463316" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>College Is Worth It, Without The Loans (Hour 2)</title>
      <description>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

What to do when you don't have the motivation to finish your degree,

from the blog: Is College Worth It?


What parent should do when it comes to paying for their kids college,

from the blog: How to Pay for College Without Student Loans


What to do with debt when finishing college,

"Should I pull from my 401(k) to pay off student loans and remodel our home?"

from the blog: The High Price of a 401(k) Withdrawal


How you should handle whenever you and your spouse don't agree on finances,

from the blog: What to Do When Spouses Don't Agree on Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Feb 2023 21:51:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

What to do when you don't have the motivation to finish your degree,

from the blog: Is College Worth It?


What parent should do when it comes to paying for their kids college,

from the blog: How to Pay for College Without Student Loans


What to do with debt when finishing college,

"Should I pull from my 401(k) to pay off student loans and remodel our home?"

from the blog: The High Price of a 401(k) Withdrawal


How you should handle whenever you and your spouse don't agree on finances,

from the blog: What to Do When Spouses Don't Agree on Money



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>What to do when you don't have the motivation to finish your degree,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/is-college-worth-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is College Worth It?</a>
</li>
<li>What parent should do when it comes to paying for their kids college,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay for College Without Student Loans</a>
</li>
<li>What to do with debt when finishing college,</li>
<li>"Should I pull from my 401(k) to pay off student loans and remodel our home?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/what-are-401k-withdrawal-rules?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The High Price of a 401(k) Withdrawal</a>
</li>
<li>How you should handle whenever you and your spouse don't agree on finances,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/what-to-do-when-spouses-dont-agree-on-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do When Spouses Don't Agree on Money</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[092e2fe6-9376-11ed-b486-5fc0e31311e3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4486585431.mp3?updated=1675461058" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Have Financial Security When Changing Jobs (Hour 1)</title>
      <description>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

The best way to pay off your house early,

from the blog: How to Pay Off Your Mortgage Early


When can you spend money on a side hustle,

from the blog: How to Take Your Side Hustle Full Time


How to become financially secure when switching careers,

from the blog: How to Switch Careers When You're in Debt


When you should start talking to your kids about money,

from the blog: How to Talk to Your Kids About Money


"Should I move off campus if I want to get a girlfriend?"

How to separate assets with family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 03 Feb 2023 20:58:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:
 

The best way to pay off your house early,

from the blog: How to Pay Off Your Mortgage Early


When can you spend money on a side hustle,

from the blog: How to Take Your Side Hustle Full Time


How to become financially secure when switching careers,

from the blog: How to Switch Careers When You're in Debt


When you should start talking to your kids about money,

from the blog: How to Talk to Your Kids About Money


"Should I move off campus if I want to get a girlfriend?"

How to separate assets with family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>The best way to pay off your house early,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-pay-off-mortgage-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Pay Off Your Mortgage Early</a>
</li>
<li>When can you spend money on a side hustle,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/how-to-take-your-side-hustle-full-time?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Take Your Side Hustle Full Time</a>
</li>
<li>How to become financially secure when switching careers,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/career-advice/how-to-switch-careers-when-in-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Switch Careers When You're in Debt</a>
</li>
<li>When you should start talking to your kids about money,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/how-to-talk-to-your-kids-about-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Talk to Your Kids About Money</a>
</li>
<li>"Should I move off campus if I want to get a girlfriend?"</li>
<li>How to separate assets with family.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bc1054c8-9375-11ed-9e68-7b589c12141d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8883361927.mp3?updated=1675457715" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's Time To Stop Giving 70% (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

When you should look for a new job because your boss won't give you a raise,

How to have a buffer in your checking account when creating a zero-based budget,

from the blog: How to Create a Zero-Based Budget


"I have the money, but I'm scared to pay off my car early. What should I do?"

from the blog: Should I Pay Off My Car Early?


"My boss wants to sell me the company I work for but I don't have the money."

from the blog: How to Buy a Business: 4 Questions You Need to Ask



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Feb 2023 22:26:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

When you should look for a new job because your boss won't give you a raise,

How to have a buffer in your checking account when creating a zero-based budget,

from the blog: How to Create a Zero-Based Budget


"I have the money, but I'm scared to pay off my car early. What should I do?"

from the blog: Should I Pay Off My Car Early?


"My boss wants to sell me the company I work for but I don't have the money."

from the blog: How to Buy a Business: 4 Questions You Need to Ask



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>When you should look for a new job because your boss won't give you a raise,</li>
<li>How to have a buffer in your checking account when creating a zero-based budget,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-make-a-zero-based-budget?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Create a Zero-Based Budget</a>
</li>
<li>"I have the money, but I'm scared to pay off my car early. What should I do?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/should-i-pay-off-my-car-early?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Pay Off My Car Early?</a>
</li>
<li>"My boss wants to sell me the company I work for but I don't have the money."</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/business/how-to-buy-a-business?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Buy a Business: 4 Questions You Need to Ask</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58d3f5a8-9376-11ed-8892-0777d598640a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7817410416.mp3?updated=1675376838" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You're Limited By Your Own Mindset! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

How to make good long term decisions for your finances and career,

from the blog: How to Change Your Money Mindset


How your mindset is your greatest limiting factor,

How to navigate life after losing a spouse,

from the blog: Life Insurance Payout: How Does It Work?


Where is the best place to save money while saving for a house?

from the blog: Saving for a Down Payment Guide


Why travel trailers lose so much money,

What to do with company stocks when you have debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Feb 2023 21:44:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

How to make good long term decisions for your finances and career,

from the blog: How to Change Your Money Mindset


How your mindset is your greatest limiting factor,

How to navigate life after losing a spouse,

from the blog: Life Insurance Payout: How Does It Work?


Where is the best place to save money while saving for a house?

from the blog: Saving for a Down Payment Guide


Why travel trailers lose so much money,

What to do with company stocks when you have debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>How to make good long term decisions for your finances and career,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/understanding-your-money-mindset?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Change Your Money Mindset</a>
</li>
<li>How your mindset is your greatest limiting factor,</li>
<li>How to navigate life after losing a spouse,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/life-insurance-payouts?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Life Insurance Payout: How Does It Work?</a>
</li>
<li>Where is the best place to save money while saving for a house?</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/saving-for-down-payment-guide?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Saving for a Down Payment Guide</a>
</li>
<li>Why travel trailers lose so much money,</li>
<li>What to do with company stocks when you have debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[091297ae-9376-11ed-b486-f72f1cb49b71]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5424784413.mp3?updated=1675374340" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Just Listening And Start Applying! (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

How to handle business debt when tackling the Baby Steps,

from the blog: Are Business Debt and Personal Debt the Same?


When you should pause the Baby Steps and save up cash,

from the blog: When to Pause Your Debt Snowball


Why HELOC's do make you financially sophisticated,

from the blog: HELOC: What Is a Home Equity Line of Credit?


"Should we be content in our current home?"

from the blog: How to Own Your Dream Home


Should I use collector cars as assets for the future?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 02 Feb 2023 20:47:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:
 

How to handle business debt when tackling the Baby Steps,

from the blog: Are Business Debt and Personal Debt the Same?


When you should pause the Baby Steps and save up cash,

from the blog: When to Pause Your Debt Snowball


Why HELOC's do make you financially sophisticated,

from the blog: HELOC: What Is a Home Equity Line of Credit?


"Should we be content in our current home?"

from the blog: How to Own Your Dream Home


Should I use collector cars as assets for the future?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><p> </p><ul>
<li>How to handle business debt when tackling the Baby Steps,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/personal-debt-vs-business-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Are Business Debt and Personal Debt the Same?</a>
</li>
<li>When you should pause the Baby Steps and save up cash,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/3-reasons-to-pause-debt-snowball?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When to Pause Your Debt Snowball</a>
</li>
<li>Why HELOC's do make you financially sophisticated,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/home-equity-line-of-credit?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">HELOC: What Is a Home Equity Line of Credit?</a>
</li>
<li>"Should we be content in our current home?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-own-your-dream-home">How to Own Your Dream Home</a>
</li>
<li>Should I use collector cars as assets for the future?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bbf6a3b6-9375-11ed-9e68-2f2c18da52ea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2791855418.mp3?updated=1675370932" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How &amp; Why Married Couples Should Combine Finances (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

"How can I teach my son about money when his biological father is terrible with money?" 

from the blog: 15 Ways to Teach Kids About Money,

How a married couple should combine their money,

"Should I do a cash-out refi?"

from the blog: Cash-Out Refinance: How It Works and Is It Worth It?


Do I need to set up a non-profit?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Feb 2023 22:25:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

"How can I teach my son about money when his biological father is terrible with money?" 

from the blog: 15 Ways to Teach Kids About Money,

How a married couple should combine their money,

"Should I do a cash-out refi?"

from the blog: Cash-Out Refinance: How It Works and Is It Worth It?


Do I need to set up a non-profit?


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>"How can I teach my son about money when his biological father is terrible with money?" </li>
<li>from the blog: <a href="https://www.ramseysolutions.com/relationships/how-to-teach-kids-about-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">15 Ways to Teach Kids About Money</a>,</li>
<li>How a married couple should combine their money,</li>
<li>"Should I do a cash-out refi?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/cash-out-refinancing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Cash-Out Refinance: How It Works and Is It Worth It?</a>
</li>
<li>Do I need to set up a non-profit?</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58bd9434-9376-11ed-8892-437b217f4e3c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4315633080.mp3?updated=1675290469" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Co-Signed on a House w/ My Ex &amp; She Owes the IRS $100k! (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

"Should I buy a house and rent it out to my parents so they can move closer?"

"I co-signed on a house with my ex-wife and she owes the IRS $100k",

from the blog: The Truth About Debt and Relationships,

 Setting up an estate for a loved one.

from the blog: What Is Estate Planning and How Do I Get Started?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Feb 2023 21:31:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

"Should I buy a house and rent it out to my parents so they can move closer?"

"I co-signed on a house with my ex-wife and she owes the IRS $100k",

from the blog: The Truth About Debt and Relationships,

 Setting up an estate for a loved one.

from the blog: What Is Estate Planning and How Do I Get Started?



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>"Should I buy a house and rent it out to my parents so they can move closer?"</li>
<li>"I co-signed on a house with my ex-wife and she owes the IRS $100k",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/the-truth-about-debt-and-relationships?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">The Truth About Debt and Relationships</a>,</li>
<li> Setting up an estate for a loved one.</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/what-is-estate-planning?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Estate Planning and How Do I Get Started?</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08f6bc50-9376-11ed-b486-4f3e0fd1b213]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2041632845.mp3?updated=1675287175" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Buy My First Home? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

The best way to buy your first home.

from the blog: Tips for First-Time Home Buyers,

How Ramsey investing principles apply in foreign countries,

"Should I ride out a 529 in this down market?",

When it's ok to dip into the emergency fund,

from the blog: 3 Questions to Ask Before You Use Your Emergency Fund,

What to do with extra money in the bank.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 01 Feb 2023 21:03:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:
 

The best way to buy your first home.

from the blog: Tips for First-Time Home Buyers,

How Ramsey investing principles apply in foreign countries,

"Should I ride out a 529 in this down market?",

When it's ok to dip into the emergency fund,

from the blog: 3 Questions to Ask Before You Use Your Emergency Fund,

What to do with extra money in the bank.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze answer your questions and discuss:</p><p> </p><ul>
<li>The best way to buy your first home.</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/tips-for-first-time-home-buyers?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Tips for First-Time Home Buyers</a>,</li>
<li>How Ramsey investing principles apply in foreign countries,</li>
<li>"Should I ride out a 529 in this down market?",</li>
<li>When it's ok to dip into the emergency fund,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/3-questions-emergency-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">3 Questions to Ask Before You Use Your Emergency Fund</a>,</li>
<li>What to do with extra money in the bank.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bbdca664-9375-11ed-9e68-6b0fc16befef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2237506491.mp3?updated=1675285275" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Over $200K in Debt and Don’t Know Where To Start (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

"We're over $200K in debt and don’t know where to start",

from the blog: How to Get Out of Debt With the Debt Snowball Plan


Dealing with a pension during a potential job change,

"How should I be allocating my money?"

Gold as an "insurance policy" during an economic collapse.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 31 Jan 2023 22:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

"We're over $200K in debt and don’t know where to start",

from the blog: How to Get Out of Debt With the Debt Snowball Plan


Dealing with a pension during a potential job change,

"How should I be allocating my money?"

Gold as an "insurance policy" during an economic collapse.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>"We're over $200K in debt and don’t know where to start",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/get-out-of-debt-with-the-debt-snowball-plan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Get Out of Debt With the Debt Snowball Plan</a>
</li>
<li>Dealing with a pension during a potential job change,</li>
<li>"How should I be allocating my money?"</li>
<li>Gold as an "insurance policy" during an economic collapse.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58a749c2-9376-11ed-8892-572f6238126a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5403436942.mp3?updated=1675204140" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is the Government Really Going To Shut Down? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

"How can I prepare for a government shutdown?"

from the blog: What Is a Government Shutdown and How It Could Affect You


"Can I move funds from an IRA to a 529?"

What the Secure Act 2.0 means for those with student loans,

"I need a new car soon",

Where to start on your money journey.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 31 Jan 2023 21:28:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

"How can I prepare for a government shutdown?"

from the blog: What Is a Government Shutdown and How It Could Affect You


"Can I move funds from an IRA to a 529?"

What the Secure Act 2.0 means for those with student loans,

"I need a new car soon",

Where to start on your money journey.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>"How can I prepare for a government shutdown?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/taxes/government-shutdown?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Government Shutdown and How It Could Affect You</a>
</li>
<li>"Can I move funds from an IRA to a 529?"</li>
<li>What the Secure Act 2.0 means for those with student loans,</li>
<li>"I need a new car soon",</li>
<li>Where to start on your money journey.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08db3732-9376-11ed-b486-0f93bfeaf799]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2319571736.mp3?updated=1675200562" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Spending &amp; Get Your Stupid Butt Out of Debt! (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

How to maximize your retirement options,

Wins from Kristina's #NoSpendChallenge,

from the blog: How to Crush a No-Spend Month


"Can we pull from our 401(k) to get our dream home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 31 Jan 2023 20:29:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:
 

How to maximize your retirement options,

Wins from Kristina's #NoSpendChallenge,

from the blog: How to Crush a No-Spend Month


"Can we pull from our 401(k) to get our dream home?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis answer your questions and discuss:</p><p> </p><ul>
<li>How to maximize your retirement options,</li>
<li>Wins from Kristina's #NoSpendChallenge,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/no-spend-month?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Crush a No-Spend Month</a>
</li>
<li>"Can we pull from our 401(k) to get our dream home?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bbc2c4d8-9375-11ed-9e68-ff6aa6c34a95]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4839452058.mp3?updated=1675197079" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing in Crypto = Gambling (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

The best way to combine assets,

Investing in crypto (and why you shouldn't),

Moving forward after bankruptcy,

Overtime vs. a second job,

Taking a pay cut to get a job you love.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 30 Jan 2023 22:28:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

The best way to combine assets,

Investing in crypto (and why you shouldn't),

Moving forward after bankruptcy,

Overtime vs. a second job,

Taking a pay cut to get a job you love.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>The best way to combine assets,</li>
<li>Investing in crypto (and why you shouldn't),</li>
<li>Moving forward after bankruptcy,</li>
<li>Overtime vs. a second job,</li>
<li>Taking a pay cut to get a job you love.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58910b62-9376-11ed-8892-efa402355c4a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8290262818.mp3?updated=1675117816" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>QUIT Making Impulsive Decisions, You’re Going Broke! (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do with a home when you move,

Why you're always going to be broke until you stop making impulsive money decisions,

"Can I afford a $130,000 car?".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 30 Jan 2023 21:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

What to do with a home when you move,

Why you're always going to be broke until you stop making impulsive money decisions,

"Can I afford a $130,000 car?".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to do with a home when you move,</li>
<li>Why you're always going to be broke until you stop making impulsive money decisions,</li>
<li>"Can I afford a $130,000 car?".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08bf2dd0-9376-11ed-b486-43f2d81025d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9134252701.mp3?updated=1675114735" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life Will Suck if You Wait on the Government To Fix It! (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Do I have a financial obligation to my adult daughter?",

When to do house repairs,

"Should I pay off my student loans or wait to see what happens with forgiveness?",

Join Jade's Virtual FPU Class!

Paying cash for a house,

from the blog: 3 Simple Steps to Pay Cash for Your Home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 30 Jan 2023 20:56:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:

"Do I have a financial obligation to my adult daughter?",

When to do house repairs,

"Should I pay off my student loans or wait to see what happens with forgiveness?",

Join Jade's Virtual FPU Class!

Paying cash for a house,

from the blog: 3 Simple Steps to Pay Cash for Your Home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Do I have a financial obligation to my adult daughter?",</li>
<li>When to do house repairs,</li>
<li>"Should I pay off my student loans or wait to see what happens with forgiveness?",</li>
<li><a href="http://www.fpu.com/1159611">Join Jade's Virtual FPU Class!</a></li>
<li>Paying cash for a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/3-steps-to-pay-cash-for-home?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">3 Simple Steps to Pay Cash for Your Home</a>.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bba908c2-9375-11ed-9e68-2b2b09295560]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9352216564.mp3?updated=1675112261" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Make Decisions Today That Your Future Self Will Hate (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Paying for college without scholarships,

Funding an emergency fund with mutual funds,

Renting while looking for a home,

Why people freak out when we tell married couples to combine bank accounts,

What to do with money in a CD,

"Can we have fun money in baby step 2?",

Getting caught up on bills.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 27 Jan 2023 22:29:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Paying for college without scholarships,

Funding an emergency fund with mutual funds,

Renting while looking for a home,

Why people freak out when we tell married couples to combine bank accounts,

What to do with money in a CD,

"Can we have fun money in baby step 2?",

Getting caught up on bills.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Paying for college without scholarships,</li>
<li>Funding an emergency fund with mutual funds,</li>
<li>Renting while looking for a home,</li>
<li>Why people freak out when we tell married couples to combine bank accounts,</li>
<li>What to do with money in a CD,</li>
<li>"Can we have fun money in baby step 2?",</li>
<li>Getting caught up on bills.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[73b12a22-9375-11ed-9a27-37c32fd6203c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6066076154.mp3?updated=1674858713" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Borrow Money From Family at 0% Interest? (Hour 2)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

"Should we borrow money from family at 0% interest?"

How to use money from a settlement,

"Should we pay off debt or wait to see what we owe on taxes?"

Piling up cash when expecting a baby,

Which to pay off first: student loans or mortgage,

John &amp; Rachel react to Sebastian Ghiorghiu's viral video.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 27 Jan 2023 21:24:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

"Should we borrow money from family at 0% interest?"

How to use money from a settlement,

"Should we pay off debt or wait to see what we owe on taxes?"

Piling up cash when expecting a baby,

Which to pay off first: student loans or mortgage,

John &amp; Rachel react to Sebastian Ghiorghiu's viral video.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>"Should we borrow money from family at 0% interest?"</li>
<li>How to use money from a settlement,</li>
<li>"Should we pay off debt or wait to see what we owe on taxes?"</li>
<li>Piling up cash when expecting a baby,</li>
<li>Which to pay off first: student loans or mortgage,</li>
<li>John &amp; Rachel react to Sebastian Ghiorghiu's viral video.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[517f736a-9374-11ed-b731-1309eeb77c67]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5390649737.mp3?updated=1674854732" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Told Me To Stop Spending Money but He Doesn’t Make Any! (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Caring for aging parents without enabling them.

"Should I attack my student loans or just make the monthly payments?"

"My husband is telling me to stop spending money, but he doesn't make any!"

Paying off your mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 27 Jan 2023 20:25:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Caring for aging parents without enabling them.

"Should I attack my student loans or just make the monthly payments?"

"My husband is telling me to stop spending money, but he doesn't make any!"

Paying off your mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Caring for aging parents without enabling them.</li>
<li>"Should I attack my student loans or just make the monthly payments?"</li>
<li>"My husband is telling me to stop spending money, but he doesn't make any!"</li>
<li>Paying off your mortgage.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7c1a3b2e-9373-11ed-af8a-5bfd4e84d41d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5704348845.mp3?updated=1674851315" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Wealth Is Best Built Slowly and Intentionally (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Paying your way through college,

What to do with inherited property,

Combining finances after marriage,

A deep dive on Baby Step 3,

Dealing with an expensive mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 26 Jan 2023 22:24:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Paying your way through college,

What to do with inherited property,

Combining finances after marriage,

A deep dive on Baby Step 3,

Dealing with an expensive mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Paying your way through college,</li>
<li>What to do with inherited property,</li>
<li>Combining finances after marriage,</li>
<li>A deep dive on Baby Step 3,</li>
<li>Dealing with an expensive mortgage.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[73985dbc-9375-11ed-9a27-a76d518e514a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3140421187.mp3?updated=1674772068" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Afraid To Spend Our Savings (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I'm afraid to spend our savings",

Knowing what the best next step is for you,

"Do I need car insurance for a borrowed car?"

Business loans vs. personal loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 26 Jan 2023 21:46:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I'm afraid to spend our savings",

Knowing what the best next step is for you,

"Do I need car insurance for a borrowed car?"

Business loans vs. personal loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I'm afraid to spend our savings",</li>
<li>Knowing what the best next step is for you,</li>
<li>"Do I need car insurance for a borrowed car?"</li>
<li>Business loans vs. personal loans.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2578</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5163bcec-9374-11ed-b731-fbd42ebde123]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1037574864.mp3?updated=1674769799" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Become Financially Independent? (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"How do I become financially independent?",

Paying off debt before buying a home,

Switching to a new retirement plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 26 Jan 2023 20:28:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"How do I become financially independent?",

Paying off debt before buying a home,

Switching to a new retirement plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"How do I become financially independent?",</li>
<li>Paying off debt before buying a home,</li>
<li>Switching to a new retirement plan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2582</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7bff341e-9373-11ed-af8a-c33ec6a811f1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3633933817.mp3?updated=1674765079" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Underwhelming Math Behind Credit Card Points (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Using credit card points to pay off a mortgage,

Update on student loan provision in the Secure Act 2.0,

Selling a truck to pay off the house,

Knowing which credit card to pay off first.

Dealing with overdrafts.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 25 Jan 2023 22:47:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Using credit card points to pay off a mortgage,

Update on student loan provision in the Secure Act 2.0,

Selling a truck to pay off the house,

Knowing which credit card to pay off first.

Dealing with overdrafts.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>Using credit card points to pay off a mortgage,</li>
<li>Update on student loan provision in the Secure Act 2.0,</li>
<li>Selling a truck to pay off the house,</li>
<li>Knowing which credit card to pay off first.</li>
<li>Dealing with overdrafts.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7382209c-9375-11ed-9a27-5b68410a4afd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1609221767.mp3?updated=1674687134" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Rent Keeps Going Up – Here’s What You Can Do About It (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Rent prices are going up,

What to do with a large settlement,

The best way to tackle student loans,

Financially preparing for marriage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 25 Jan 2023 21:39:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Rent prices are going up,

What to do with a large settlement,

The best way to tackle student loans,

Financially preparing for marriage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>Rent prices are going up,</li>
<li>What to do with a large settlement,</li>
<li>The best way to tackle student loans,</li>
<li>Financially preparing for marriage.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5147dbbc-9374-11ed-b731-734aa671c29e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8029358318.mp3?updated=1674682961" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Owe $32k on a Car Worth $18k! (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Renting vs. buying a house,

from the blog: Should I Rent or Buy a House?


"I owe $32k on a $18k car... what can I do?",

Why you should never borrow on your 401(k) and stay away from HELOCs,

from the blog: What Is a Home Equity Loan?


The best way to save for grad school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 25 Jan 2023 20:39:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

Renting vs. buying a house,

from the blog: Should I Rent or Buy a House?


"I owe $32k on a $18k car... what can I do?",

Why you should never borrow on your 401(k) and stay away from HELOCs,

from the blog: What Is a Home Equity Loan?


The best way to save for grad school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>Renting vs. buying a house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>"I owe $32k on a $18k car... what can I do?",</li>
<li>Why you should never borrow on your 401(k) and stay away from HELOCs,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/what-is-a-home-equity-loan?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is a Home Equity Loan?</a>
</li>
<li>The best way to save for grad school.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7be408e2-9373-11ed-af8a-33a4ef45e06d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1674756737.mp3?updated=1674679324" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>More Millennials Than Ever Are Living With Their Parents (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What to do with $500k in savings,

Millennials living with their parents,

"Should I cancel my universal whole life policy?"

"How can I move out of my parents' house?"

Saving money in the bank vs. investing with an advisor.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 24 Jan 2023 22:23:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What to do with $500k in savings,

Millennials living with their parents,

"Should I cancel my universal whole life policy?"

"How can I move out of my parents' house?"

Saving money in the bank vs. investing with an advisor.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to do with $500k in savings,</li>
<li>Millennials living with their parents,</li>
<li>"Should I cancel my universal whole life policy?"</li>
<li>"How can I move out of my parents' house?"</li>
<li>Saving money in the bank vs. investing with an advisor.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2590</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[736b61d6-9375-11ed-9a27-bf8d3f88f924]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3002569082.mp3?updated=1674599230" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $120,000 Buried in Tin Cans (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

I have $120,000 buried in tin cans,

How digital subscriptions can be death by a thousand cuts,

High-yield savings accounts,

The "rent-a-chicken" trend,

Convincing a boyfriend to pay off his debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 24 Jan 2023 21:32:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

I have $120,000 buried in tin cans,

How digital subscriptions can be death by a thousand cuts,

High-yield savings accounts,

The "rent-a-chicken" trend,

Convincing a boyfriend to pay off his debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>I have $120,000 buried in tin cans,</li>
<li>How digital subscriptions can be death by a thousand cuts,</li>
<li>High-yield savings accounts,</li>
<li>The "rent-a-chicken" trend,</li>
<li>Convincing a boyfriend to pay off his debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[512ce10e-9374-11ed-b731-9f851b6f9ea7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6389653964.mp3?updated=1674596227" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>To Win With Money, Submit to the PROVEN Plan! (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Investing for retirement when you have no outlet through your employer,

"Should I buy a house with my girlfriend?"

Why the Baby Steps are a proven plan to win with money,

Join Jade's FPU Class!

When you should convert a 401(k) to a Roth,

Why momentum matters more than interest rates when paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 24 Jan 2023 20:26:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Investing for retirement when you have no outlet through your employer,

"Should I buy a house with my girlfriend?"

Why the Baby Steps are a proven plan to win with money,

Join Jade's FPU Class!

When you should convert a 401(k) to a Roth,

Why momentum matters more than interest rates when paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Investing for retirement when you have no outlet through your employer,</li>
<li>"Should I buy a house with my girlfriend?"</li>
<li>Why the Baby Steps are a proven plan to win with money,</li>
<li><a href="http://www.fpu.com/1159611">Join Jade's FPU Class!</a></li>
<li>When you should convert a 401(k) to a Roth,</li>
<li>Why momentum matters more than interest rates when paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7bc967f8-9373-11ed-af8a-d392a79ac816]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3467430212.mp3?updated=1674592137" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell Investments To Pay Off Debt? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Dealing with tax debt,

"How picky should I be in my job search?"

Credit scores and why you don't need one,

"I'm scared the economy is going to collapse and the government will take my money".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 23 Jan 2023 22:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Dealing with tax debt,

"How picky should I be in my job search?"

Credit scores and why you don't need one,

"I'm scared the economy is going to collapse and the government will take my money".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Dealing with tax debt,</li>
<li>"How picky should I be in my job search?"</li>
<li>Credit scores and why you don't need one,</li>
<li>"I'm scared the economy is going to collapse and the government will take my money".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[73549c1c-9375-11ed-9a27-9f632b72d483]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9910471155.mp3?updated=1674512852" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Bought a Car at 24% Interest! (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Getting your budget dialed in,

"I bought a car at 24% interest!",

The insanity of recent Google layoffs,

"I'm retired but I want to go back to work"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 23 Jan 2023 21:28:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Getting your budget dialed in,

"I bought a car at 24% interest!",

The insanity of recent Google layoffs,

"I'm retired but I want to go back to work"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Getting your budget dialed in,</li>
<li>"I bought a car at 24% interest!",</li>
<li>The insanity of recent Google layoffs,</li>
<li>"I'm retired but I want to go back to work"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[51117806-9374-11ed-b731-43f37cb0b9f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3124179561.mp3?updated=1674509252" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Possible To Invest TOO Much? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Catching up on retirement investing,

Cashing out a 401(k),

"Is it ever possible to invest too much?",

from the blog: Dave's Investing Philosophy


"Should I get into house hacking?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 23 Jan 2023 20:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Catching up on retirement investing,

Cashing out a 401(k),

"Is it ever possible to invest too much?",

from the blog: Dave's Investing Philosophy


"Should I get into house hacking?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Catching up on retirement investing,</li>
<li>Cashing out a 401(k),</li>
<li>"Is it ever possible to invest too much?",</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/daves-investing-philosophy?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Dave's Investing Philosophy</a>
</li>
<li>"Should I get into house hacking?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7badf388-9373-11ed-af8a-bb9cd4f86aac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4063305430.mp3?updated=1674505608" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What the U.S. Hitting the Debt Ceiling Means for You (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

Withdrawing from a 401(k),

Preparing for a layoff,

Choosing a higher-paying job vs. a more stable one,

What the Debt Ceiling news means for the average American,

Paying off debt when you don't have any margin,

When a dream job suddenly isn't.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 20 Jan 2023 22:23:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

Withdrawing from a 401(k),

Preparing for a layoff,

Choosing a higher-paying job vs. a more stable one,

What the Debt Ceiling news means for the average American,

Paying off debt when you don't have any margin,

When a dream job suddenly isn't.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Withdrawing from a 401(k),</li>
<li>Preparing for a layoff,</li>
<li>Choosing a higher-paying job vs. a more stable one,</li>
<li>What the Debt Ceiling news means for the average American,</li>
<li>Paying off debt when you don't have any margin,</li>
<li>When a dream job suddenly isn't.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[238bc35a-9360-11ed-ac31-57501f7655d9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7966906995.mp3?updated=1674253584" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Can’t Seem To Stick to a Budget (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

How to stick to a budget,

What to do with an inheritance,

"I feel stuck in the Baby Steps, what can I do?"

"Our wealth is causing division with friends and family"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 20 Jan 2023 22:09:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

How to stick to a budget,

What to do with an inheritance,

"I feel stuck in the Baby Steps, what can I do?"

"Our wealth is causing division with friends and family"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>How to stick to a budget,</li>
<li>What to do with an inheritance,</li>
<li>"I feel stuck in the Baby Steps, what can I do?"</li>
<li>"Our wealth is causing division with friends and family"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2581</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec347b5e-935f-11ed-a7a2-4f5ed61d1e89]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5604351848.mp3?updated=1674252779" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Leave My Toxic Job? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

When you should leave a toxic work environment,

"Can I work multiple baby steps at once?"

Taking a job you're nervous about,

"The great quit": why Gen Z are quitting their jobs",

Getting out from an upside down truck.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 20 Jan 2023 20:27:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

When you should leave a toxic work environment,

"Can I work multiple baby steps at once?"

Taking a job you're nervous about,

"The great quit": why Gen Z are quitting their jobs",

Getting out from an upside down truck.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>When you should leave a toxic work environment,</li>
<li>"Can I work multiple baby steps at once?"</li>
<li>Taking a job you're nervous about,</li>
<li>"The great quit": why Gen Z are quitting their jobs",</li>
<li>Getting out from an upside down truck.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a988e8e4-935f-11ed-82f0-e7815b753778]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5633420285.mp3?updated=1674246585" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Bonus Episode: Are You Ready to Build Wealth in 2023?</title>
      <description>The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and Rachel will unpack how you can still make progress, build wealth, and have peace with your money this year. Yep, even in tough, uncertain times. 
Get our limited-time offer on Financial Peace University and make 2023 the year you get rid of money stress: (http://bit.ly/3QSiKjV)
Watch the full Building Wealth livestream, plus a special panel discussion here: https://www.ramseysolutions.com/wealth </description>
      <pubDate>Fri, 20 Jan 2023 13:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and Rachel will unpack how you can still make progress, build wealth, and have peace with your money this year. Yep, even in tough, uncertain times. 
Get our limited-time offer on Financial Peace University and make 2023 the year you get rid of money stress: (http://bit.ly/3QSiKjV)
Watch the full Building Wealth livestream, plus a special panel discussion here: https://www.ramseysolutions.com/wealth </itunes:summary>
      <content:encoded>
        <![CDATA[<p>The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and Rachel will unpack how you can still make progress, build wealth, and have peace with your money this year. Yep, even in tough, uncertain times. </p><p>Get our limited-time offer on <em>Financial Peace University</em> and make 2023 the year you get rid of money stress: (<a href="http://bit.ly/3QSiKjV">http://bit.ly/3QSiKjV</a>)</p><p>Watch the full Building Wealth livestream, plus a special panel discussion here: <a href="https://www.ramseysolutions.com/wealth">https://www.ramseysolutions.com/wealth</a> </p>]]>
      </content:encoded>
      <itunes:duration>4637</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f3ba036-9775-11ed-b2b8-afc842eefb80]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1460941988.mp3?updated=1674161909" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Intentionality Is the Key to Winning With Money (Hour 3)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"My wife thinks FPU is a scam",

Helping a daughter decide on a career,

"Should I roll my loans into a mortgage?"

Using savings to pay off debt,

What to do after a job loss,

Balancing a side-hustle with family time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 19 Jan 2023 22:23:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

"My wife thinks FPU is a scam",

Helping a daughter decide on a career,

"Should I roll my loans into a mortgage?"

Using savings to pay off debt,

What to do after a job loss,

Balancing a side-hustle with family time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"My wife thinks FPU is a scam",</li>
<li>Helping a daughter decide on a career,</li>
<li>"Should I roll my loans into a mortgage?"</li>
<li>Using savings to pay off debt,</li>
<li>What to do after a job loss,</li>
<li>Balancing a side-hustle with family time.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[23770fdc-9360-11ed-ac31-c3825fa79f84]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9617886471.mp3?updated=1674167176" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Still Be Investing While Paying Off Debt? (Hour 2)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Getting out of a car lease,

from the blog: How Does Leasing a Car Work?


Update on Kristina's #NoSpendChallenege,

"Should I be investing while paying off debt?"

from the blog: When You Should Stop Investing


What a "Super Roth" is and whether or not you should do one,

How to use an inheritance well.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 19 Jan 2023 21:41:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Getting out of a car lease,

from the blog: How Does Leasing a Car Work?


Update on Kristina's #NoSpendChallenege,

"Should I be investing while paying off debt?"

from the blog: When You Should Stop Investing


What a "Super Roth" is and whether or not you should do one,

How to use an inheritance well.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Getting out of a car lease,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-does-a-car-lease-work?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How Does Leasing a Car Work?</a>
</li>
<li>Update on Kristina's #NoSpendChallenege,</li>
<li>"Should I be investing while paying off debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>
</li>
<li>What a "Super Roth" is and whether or not you should do one,</li>
<li>How to use an inheritance well.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec19e14a-935f-11ed-a7a2-3745bcf1576d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2896312068.mp3?updated=1674166193" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Start the Baby Steps? (Hour 1)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Pulling from mutual funds to pay off debt,

from the blog: Should I Use My Investments to Pay Off Debt?


"How do I get started on the Baby Steps?"

from the blog: How to Win With Money in 7 Baby Steps


An update on the Debt Ceiling and Student Loan Forgiveness,

"I'm over $100k in debt. should I declare bankruptcy?"

"Should I pay for my ex-husband's funeral?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 19 Jan 2023 20:25:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Pulling from mutual funds to pay off debt,

from the blog: Should I Use My Investments to Pay Off Debt?


"How do I get started on the Baby Steps?"

from the blog: How to Win With Money in 7 Baby Steps


An update on the Debt Ceiling and Student Loan Forgiveness,

"I'm over $100k in debt. should I declare bankruptcy?"

"Should I pay for my ex-husband's funeral?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Pulling from mutual funds to pay off debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>"How do I get started on the Baby Steps?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-win-with-money-in-7-easy-baby-steps?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=podcast_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How to Win With Money in 7 Baby Steps</a>
</li>
<li>An update on the Debt Ceiling and Student Loan Forgiveness,</li>
<li>"I'm over $100k in debt. should I declare bankruptcy?"</li>
<li>"Should I pay for my ex-husband's funeral?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a96b5bda-935f-11ed-82f0-d32daca28b29]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3767538853.mp3?updated=1674160097" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>5 Things You Need To Know Before Filing Taxes (Hour 3)</title>
      <description>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Should I keep living with my parents or move out?"

5 things you need to know before filing taxes,

from the blog: Tax Season 2023: What You Need to Know (and Looking Ahead to 2024)


Selling and building a new home,

Saving for fertility treatment,

Refinancing a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 18 Jan 2023 22:27:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Jade Warshaw &amp; George Kamel answer your questions and discuss:

"Should I keep living with my parents or move out?"

5 things you need to know before filing taxes,

from the blog: Tax Season 2023: What You Need to Know (and Looking Ahead to 2024)


Selling and building a new home,

Saving for fertility treatment,

Refinancing a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Jade Warshaw &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I keep living with my parents or move out?"</li>
<li>5 things you need to know before filing taxes,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/taxes/tax-season-what-you-need-to-know?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Tax Season 2023: What You Need to Know (and Looking Ahead to 2024)</a>
</li>
<li>Selling and building a new home,</li>
<li>Saving for fertility treatment,</li>
<li>Refinancing a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[23629c50-9360-11ed-ac31-2bfa67e4d2d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2144140765.mp3?updated=1674080874" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Scared To Only Have $1000 for Emergencies (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I'm scared to only have $1000 for an emergency fund"

from the blog: Is a $1,000 Emergency Fund Enough?


Why you should never pay your girlfriend's student loan,

"Should I buy a truck at 19 years old?"

"How quickly can I get this debt paid off?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 18 Jan 2023 21:42:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"I'm scared to only have $1000 for an emergency fund"

from the blog: Is a $1,000 Emergency Fund Enough?


Why you should never pay your girlfriend's student loan,

"Should I buy a truck at 19 years old?"

"How quickly can I get this debt paid off?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"I'm scared to only have $1000 for an emergency fund"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/is-starter-emergency-fund-enough?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Is a $1,000 Emergency Fund Enough?</a>
</li>
<li>Why you should never pay your girlfriend's student loan,</li>
<li>"Should I buy a truck at 19 years old?"</li>
<li>"How quickly can I get this debt paid off?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ebfffffa-935f-11ed-a7a2-27b88d5075a3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6899116639.mp3?updated=1674078298" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Make These Stupid Mistakes With Money (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

How much to spend on a new vehicle,

"We're having a hard time tracking expenses"

from the blog: Baby Step 1: Your Budgeting Guide


Keeping two jobs vs. only one job that pays better,

"Should I pull from single stocks to pay off debt?"

from the blog: Should I Use My Investments to Pay Off Debt?


Making stupid mistakes with money,

"Should I get a construction loan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 18 Jan 2023 20:24:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

How much to spend on a new vehicle,

"We're having a hard time tracking expenses"

from the blog: Baby Step 1: Your Budgeting Guide


Keeping two jobs vs. only one job that pays better,

"Should I pull from single stocks to pay off debt?"

from the blog: Should I Use My Investments to Pay Off Debt?


Making stupid mistakes with money,

"Should I get a construction loan?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>How much to spend on a new vehicle,</li>
<li>"We're having a hard time tracking expenses"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/baby-step-1-budgeting-guide?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Baby Step 1: Your Budgeting Guide</a>
</li>
<li>Keeping two jobs vs. only one job that pays better,</li>
<li>"Should I pull from single stocks to pay off debt?"</li>
<li>from the blog:<a href="https://www.ramseysolutions.com/debt/using-investments-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs"> Should I Use My Investments to Pay Off Debt?</a>
</li>
<li>Making stupid mistakes with money,</li>
<li>"Should I get a construction loan?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a94e65b6-935f-11ed-82f0-4fa8a7064bf4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1637595312.mp3?updated=1674073688" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Dad Wants Me To Get A Prenup! (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

What to do when family members want you to get a prenup but you don't want to,

How investing in Legos and other toys is a horrible way to build wealth,

from the blog: Dave's Investing Philosophy


How to navigate grief and what's next after the loss of a parent,

Why the interest on debt doesn't matter in the Debt Snowball,

from the blog: Debt Snowball vs. Debt Avalanche


How to pick where to live when commuting to work

from the website: Cost Of Living Calculator



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 17 Jan 2023 22:28:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

What to do when family members want you to get a prenup but you don't want to,

How investing in Legos and other toys is a horrible way to build wealth,

from the blog: Dave's Investing Philosophy


How to navigate grief and what's next after the loss of a parent,

Why the interest on debt doesn't matter in the Debt Snowball,

from the blog: Debt Snowball vs. Debt Avalanche


How to pick where to live when commuting to work

from the website: Cost Of Living Calculator



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>What to do when family members want you to get a prenup but you don't want to,</li>
<li>How investing in Legos and other toys is a horrible way to build wealth,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/daves-investing-philosophy?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Dave's Investing Philosophy</a>
</li>
<li>How to navigate grief and what's next after the loss of a parent,</li>
<li>Why the interest on debt doesn't matter in the Debt Snowball,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/debt-snowball-vs-debt-avalanche?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Debt Snowball vs. Debt Avalanche</a>
</li>
<li>How to pick where to live when commuting to work</li>
<li>from the website: <a href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Cost Of Living Calculator</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[234d37a2-9360-11ed-ac31-a3869394c383]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6654793655.mp3?updated=1673994745" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What's The Price Of Your Soul? (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

How to take control of your life and your finances,

What to do when gifts from family members come with strings attached,

Why sacrificing your lifestyle will accelerate your debt payoff journey,

from the blog: Are The Sacrifices Worth Being Debt Free? These People Think So


"Which of my debts should I pay off first?"

from the blog: What Debt Do You Pay Off First?


What to do when you keep getting stuck in the Baby Steps,

from the blog: How To Finally Take Control Of Your Finances


Why you should never pull from your 401(k) before retirement,

from the blog: 4 Life Events You Shouldn't Cash Out Your 401(k) to Fund



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 17 Jan 2023 21:25:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

How to take control of your life and your finances,

What to do when gifts from family members come with strings attached,

Why sacrificing your lifestyle will accelerate your debt payoff journey,

from the blog: Are The Sacrifices Worth Being Debt Free? These People Think So


"Which of my debts should I pay off first?"

from the blog: What Debt Do You Pay Off First?


What to do when you keep getting stuck in the Baby Steps,

from the blog: How To Finally Take Control Of Your Finances


Why you should never pull from your 401(k) before retirement,

from the blog: 4 Life Events You Shouldn't Cash Out Your 401(k) to Fund



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>How to take control of your life and your finances,</li>
<li>What to do when gifts from family members come with strings attached,</li>
<li>Why sacrificing your lifestyle will accelerate your debt payoff journey,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/debt-free-and-loving-it?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Are The Sacrifices Worth Being Debt Free? These People Think So</a>
</li>
<li>"Which of my debts should I pay off first?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/what-debt-do-i-pay-off-first?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Debt Do You Pay Off First?</a>
</li>
<li>What to do when you keep getting stuck in the Baby Steps,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/how-to-take-control-of-your-money?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Finally Take Control Of Your Finances</a>
</li>
<li>Why you should never pull from your 401(k) before retirement,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/should-you-cash-out-your-401k?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">4 Life Events You Shouldn't Cash Out Your 401(k) to Fund</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ebe5b56e-935f-11ed-a7a2-a75890991515]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2708758159.mp3?updated=1673990907" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Listening To Broke People! (Hour 1)</title>
      <description>John Delony &amp; George Kamel discuss:

How to get out of debt when you feel lost on your current career path,

from the blog: How To Pay Off Debt


"How do we buy a house without a credit score?"

from the blog: Can You Buy A House With No Credit? and Living Without A Credit Score


The best way to figure out how to start investing,

from the blog: How To Start Investing: A Beginner's Guide


The differences between your emergency fund and sinking funds,

from the blog: What Is A Sinking Fund and How Do You Create One?


Why you should stop investing when you're in debt and have no savings,

from the blog: 40 with No Savings? How To Retire A Millionaire



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 17 Jan 2023 20:32:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:

How to get out of debt when you feel lost on your current career path,

from the blog: How To Pay Off Debt


"How do we buy a house without a credit score?"

from the blog: Can You Buy A House With No Credit? and Living Without A Credit Score


The best way to figure out how to start investing,

from the blog: How To Start Investing: A Beginner's Guide


The differences between your emergency fund and sinking funds,

from the blog: What Is A Sinking Fund and How Do You Create One?


Why you should stop investing when you're in debt and have no savings,

from the blog: 40 with No Savings? How To Retire A Millionaire



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p><ul>
<li>How to get out of debt when you feel lost on your current career path,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/how-to-pay-off-debt?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Pay Off Debt</a>
</li>
<li>"How do we buy a house without a credit score?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/no-credit-score-no-home?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Can You Buy A House With No Credit?</a> and <a href="https://www.ramseysolutions.com/debt/living-without-credit-score?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Living Without A Credit Score</a>
</li>
<li>The best way to figure out how to start investing,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">How To Start Investing: A Beginner's Guide</a>
</li>
<li>The differences between your emergency fund and sinking funds,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/stop-the-panic-sinking-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is A Sinking Fund and How Do You Create One?</a>
</li>
<li>Why you should stop investing when you're in debt and have no savings,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/40-with-no-savings-retire-a-millionaire?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">40 with No Savings? How To Retire A Millionaire</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a93118b2-935f-11ed-82f0-a31c9c2a5ed8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9781681082.mp3?updated=1673987652" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should I Spend on a Car? (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"What should I do after selling my house?"

How much to spend on a vehicle,

"When should I move out of my parents' house?"

What to do with a big insurance settlement,

"Should I consolidate my debt?"

from the blog: What Is Debt Consolidation?


Accepting a lower offer on a home sale.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 16 Jan 2023 22:24:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"What should I do after selling my house?"

How much to spend on a vehicle,

"When should I move out of my parents' house?"

What to do with a big insurance settlement,

"Should I consolidate my debt?"

from the blog: What Is Debt Consolidation?


Accepting a lower offer on a home sale.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"What should I do after selling my house?"</li>
<li>How much to spend on a vehicle,</li>
<li>"When should I move out of my parents' house?"</li>
<li>What to do with a big insurance settlement,</li>
<li>"Should I consolidate my debt?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/debt/debt-consolidation-truth?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What Is Debt Consolidation?</a>
</li>
<li>Accepting a lower offer on a home sale.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2338a04e-9360-11ed-ac31-f386b4732581]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4887887814.mp3?updated=1673908028" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Grocery Prices Are Up and What You Can Do About It (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Saving for a new roof,

How much money to set aside for taxes,

How to save money on groceries,

from the blog: Why Are Food Prices Going Up?


"How can I maximize my wealth with the baby steps?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 16 Jan 2023 21:29:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Saving for a new roof,

How much money to set aside for taxes,

How to save money on groceries,

from the blog: Why Are Food Prices Going Up?


"How can I maximize my wealth with the baby steps?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Saving for a new roof,</li>
<li>How much money to set aside for taxes,</li>
<li>How to save money on groceries,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/budgeting/food-prices-going-up?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">Why Are Food Prices Going Up?</a>
</li>
<li>"How can I maximize my wealth with the baby steps?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2590</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ebcb318a-935f-11ed-a7a2-23faf977f9c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8849023404.mp3?updated=1673904720" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Boyfriend Doesn’t Get a Vote! (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"My boyfriend wants me to sell my vehicle",

American men's obsession with trucks,

"How should I split my income between my mortgage and investments?"

When it makes things to sell things to get out of debt,

Using inheritance money to build the best financial future,

from the blog: What to Do With an Inheritance


"We're not on the same page about downsizing our vehicles"

"How should we adjust our investments after having our first baby?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 16 Jan 2023 20:26:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"My boyfriend wants me to sell my vehicle",

American men's obsession with trucks,

"How should I split my income between my mortgage and investments?"

When it makes things to sell things to get out of debt,

Using inheritance money to build the best financial future,

from the blog: What to Do With an Inheritance


"We're not on the same page about downsizing our vehicles"

"How should we adjust our investments after having our first baby?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"My boyfriend wants me to sell my vehicle",</li>
<li>American men's obsession with trucks,</li>
<li>"How should I split my income between my mortgage and investments?"</li>
<li>When it makes things to sell things to get out of debt,</li>
<li>Using inheritance money to build the best financial future,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/what-to-do-inheritance?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">What to Do With an Inheritance</a>
</li>
<li>"We're not on the same page about downsizing our vehicles"</li>
<li>"How should we adjust our investments after having our first baby?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a9148b70-935f-11ed-82f0-a361bcbb8e83]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6778595333.mp3?updated=1673900822" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Make Money As Fast as Possible so I Can Retire Early? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

"I'm 25 and live with my parents, what should I do with my money?"

"How can I best help my parents with money?"

"Should I stay at my part time job if I love it?"

"I'm a single mom facing eviction"

The practicality of getting solar panels.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 13 Jan 2023 22:38:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

"I'm 25 and live with my parents, what should I do with my money?"

"How can I best help my parents with money?"

"Should I stay at my part time job if I love it?"

"I'm a single mom facing eviction"

The practicality of getting solar panels.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"I'm 25 and live with my parents, what should I do with my money?"</li>
<li>"How can I best help my parents with money?"</li>
<li>"Should I stay at my part time job if I love it?"</li>
<li>"I'm a single mom facing eviction"</li>
<li>The practicality of getting solar panels.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[105c1ad6-8e07-11ed-b2e1-5b88391da4ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9692926295.mp3?updated=1673649736" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Following the Baby Steps Will Build Your Wealth (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Saving up to fix a car while paying off debt,

"How much emergency fund do I need?"

from the blog: A Quick Guide to Your Emergency Fund


Why you shouldn't pause investing to pay off the house

from the blog: When You Should Stop Investing


What to do with an extra half a million in cash,

Buying a house vs. renting.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 13 Jan 2023 21:39:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Saving up to fix a car while paying off debt,

"How much emergency fund do I need?"

from the blog: A Quick Guide to Your Emergency Fund


Why you shouldn't pause investing to pay off the house

from the blog: When You Should Stop Investing


What to do with an extra half a million in cash,

Buying a house vs. renting.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Saving up to fix a car while paying off debt,</li>
<li>"How much emergency fund do I need?"</li>
<li>from the blog:<a href="https://www.ramseysolutions.com/saving/quick-guide-to-your-emergency-fund?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs"> A Quick Guide to Your Emergency Fund</a>
</li>
<li>Why you shouldn't pause investing to pay off the house</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/when-you-should-stop-investing?utm_source=youtube_dave_ramsey&amp;utm_medium=social_organic&amp;utm_content=youtube_show_notes&amp;utm_term=network_bu&amp;utm_campaign=trs">When You Should Stop Investing</a>
</li>
<li>What to do with an extra half a million in cash,</li>
<li>Buying a house vs. renting.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d16218d0-8e06-11ed-b36b-cf82e827313c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1459176021.mp3?updated=1673646152" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Fall for the Nothing-Down Real Estate Trap! (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

Combining finances in marriage,

Why you shouldn't fall for nothing down real estate schemes,

How sometimes you have to say no to something good to achieve something great.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 13 Jan 2023 20:39:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

Combining finances in marriage,

Why you shouldn't fall for nothing down real estate schemes,

How sometimes you have to say no to something good to achieve something great.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>Combining finances in marriage,</li>
<li>Why you shouldn't fall for nothing down real estate schemes,</li>
<li>How sometimes you have to say no to something good to achieve something great.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9bde7fe6-8e06-11ed-ad36-2f4a0934e849]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7088694515.mp3?updated=1673642475" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pursuing a Career vs. a Job Just To Make Money (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

How you can create margin and build wealth: Tune into Building Wealth Live


Whether or not you should stay in a job where you feel undervalued,

Avoiding debt-consolidation,

Pursuing a career vs. a job to make money,

"I want to leave my engineering job to be a plumber".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 12 Jan 2023 22:24:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

How you can create margin and build wealth: Tune into Building Wealth Live


Whether or not you should stay in a job where you feel undervalued,

Avoiding debt-consolidation,

Pursuing a career vs. a job to make money,

"I want to leave my engineering job to be a plumber".


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>How you can create margin and build wealth: Tune into<a href="https://www.ramseysolutions.com/retirement/build-wealth?fbclid=PAAaYE2hQz9iaZM--Fc7HUTbv8A41QWiPxSS6udtmU4qAlYeK0JxM29DpNkFk"> Building Wealth Live</a>
</li>
<li>Whether or not you should stay in a job where you feel undervalued,</li>
<li>Avoiding debt-consolidation,</li>
<li>Pursuing a career vs. a job to make money,</li>
<li>"I want to leave my engineering job to be a plumber".</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[104692e2-8e07-11ed-b2e1-63eaf78fdddc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4377862065.mp3?updated=1673562485" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Talk Me Out of Keeping My Car Loan… (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel answer your questions and discuss:

"I'm having a hard time finding my career path",

Why whole life insurance sucks,

from the blog: Term vs. Whole Life Insurance: What’s the Difference?


"Talk me out of keeping my car loan..."

Why people lie on their resumes (and why you shouldn't let self-doubt hold you back),

Financially preparing for a baby.

from the blog: Having a Baby? Don't Forget These Expenses



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 12 Jan 2023 21:32:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel answer your questions and discuss:

"I'm having a hard time finding my career path",

Why whole life insurance sucks,

from the blog: Term vs. Whole Life Insurance: What’s the Difference?


"Talk me out of keeping my car loan..."

Why people lie on their resumes (and why you shouldn't let self-doubt hold you back),

Financially preparing for a baby.

from the blog: Having a Baby? Don't Forget These Expenses



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"I'm having a hard time finding my career path",</li>
<li>Why whole life insurance sucks,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/insurance/term-life-vs-whole-life-insurance?utm_campaign=trs">Term vs. Whole Life Insurance: What’s the Difference?</a>
</li>
<li>"Talk me out of keeping my car loan..."</li>
<li>Why people lie on their resumes (and why you shouldn't let self-doubt hold you back),</li>
<li>Financially preparing for a baby.</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/saving/cost-of-having-a-baby?utm_campaign=trs">Having a Baby? Don't Forget These Expenses</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2583</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d14c8fce-8e06-11ed-b36b-fb09e0edc6e3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9073034990.mp3?updated=1673558809" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>No More Excuses, You CAN Build Wealth! (Hour 1)</title>
      <description>Join the free Building Wealth Livestream Event on January 12th!

Ken Coleman &amp; George Kamel answer your questions and discuss:

"Should I buy a house right now or keep renting?"

from the blog: Should I Rent or Buy a House?


"What are guidelines about moving to a different states?"

from the blog: How to Move to Another State


Buc-ee’s is paying six-figures with no experience necessary,

Whether or not to buy a fixer-upper,

from the blog: Buying a Fixer-Upper Home: What to Know




Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 12 Jan 2023 20:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Join the free Building Wealth Livestream Event on January 12th!

Ken Coleman &amp; George Kamel answer your questions and discuss:

"Should I buy a house right now or keep renting?"

from the blog: Should I Rent or Buy a House?


"What are guidelines about moving to a different states?"

from the blog: How to Move to Another State


Buc-ee’s is paying six-figures with no experience necessary,

Whether or not to buy a fixer-upper,

from the blog: Buying a Fixer-Upper Home: What to Know




Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Join the <a href="https://www.ramseysolutions.com/wealth?utm_source=podcast&amp;utm_medium=show_notes&amp;utm_campaign=the_ramsey_show&amp;utm_id=building_wealth_2023_livestream">free Building Wealth Livestream Event</a> on January 12th!</p><p><br></p><p>Ken Coleman &amp; George Kamel answer your questions and discuss:</p><ul>
<li>"Should I buy a house right now or keep renting?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted?utm_campaign=trs">Should I Rent or Buy a House?</a>
</li>
<li>"What are guidelines about moving to a different states?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-move-to-another-state?utm_campaign=trs">How to Move to Another State</a>
</li>
<li>Buc-ee’s is paying six-figures with no experience necessary,</li>
<li>Whether or not to buy a fixer-upper,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/fixer-upper-home?utm_campaign=trs">Buying a Fixer-Upper Home: What to Know</a>
</li>
</ul><p><br></p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9bc9d64a-8e06-11ed-ad36-e7bfd40ec712]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9100180049.mp3?updated=1673555949" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>JADE RANT: Your Stupid Car Payment Is Keeping You Middle Class! (Hour 3)</title>
      <description>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

"Can we afford to buy a home this year?"

from the blog: How Much House Can I Afford?


Jade loses her mind over insane car payments and tells you what to do about it,

"Should we change our investing strategy?"

What to do when morning sickness affects your food budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 11 Jan 2023 22:21:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

"Can we afford to buy a home this year?"

from the blog: How Much House Can I Afford?


Jade loses her mind over insane car payments and tells you what to do about it,

"Should we change our investing strategy?"

What to do when morning sickness affects your food budget.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Can we afford to buy a home this year?"</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford?utm_campaign=trs">How Much House Can I Afford?</a>
</li>
<li>Jade loses her mind over insane car payments and tells you what to do about it,</li>
<li>"Should we change our investing strategy?"</li>
<li>What to do when morning sickness affects your food budget.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[103163b8-8e07-11ed-b2e1-b7c8513b3432]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7574051066.mp3?updated=1673475906" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ignorance Is Not Bliss… It’s BROKE (Hour 2)</title>
      <description>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

Why IRS debt always goes at the top of the debt snowball,

Saving for college vs. paying off the house,

from the blog: How Do I Save for Retirement, College, and Pay Off the Mortgage at the Same Time?


Should you keep a secret separate bank account from your spouse just in case?

What to do with profit from stocks,

"Should I avoid buying a new house since I'm about to get engaged?"

When and if you should sell a house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?


"We're drowning in debt..."


Support Our Sponsor:
Zander Insurance

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 11 Jan 2023 21:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

Why IRS debt always goes at the top of the debt snowball,

Saving for college vs. paying off the house,

from the blog: How Do I Save for Retirement, College, and Pay Off the Mortgage at the Same Time?


Should you keep a secret separate bank account from your spouse just in case?

What to do with profit from stocks,

"Should I avoid buying a new house since I'm about to get engaged?"

When and if you should sell a house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?


"We're drowning in debt..."


Support Our Sponsor:
Zander Insurance

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Why IRS debt always goes at the top of the debt snowball,</li>
<li>Saving for college vs. paying off the house,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/retirement/retirement-college-mortgage?utm_campaign=trs">How Do I Save for Retirement, College, and Pay Off the Mortgage at the Same Time?</a>
</li>
<li>Should you keep a secret separate bank account from your spouse just in case?</li>
<li>What to do with profit from stocks,</li>
<li>"Should I avoid buying a new house since I'm about to get engaged?"</li>
<li>When and if you should sell a house to pay off debt,</li>
<li>from the blog: <a href="https://www.ramseysolutions.com/real-estate/should-you-sell-your-home-to-knock-out-debt?utm_campaign=trs">Should You Sell Your Home to Knock Out Debt?</a>
</li>
<li>"We're drowning in debt..."</li>
</ul><p><br></p><p>Support Our Sponsor:</p><ul><li><a href="https://bit.ly/2Xbn7hD">Zander Insurance</a></li></ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d1370cd0-8e06-11ed-b36b-b79856a78c53]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6486610553.mp3?updated=1673473032" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Owe My Uncle $11K in Overdue Rent and He Isn’t Speaking to Me (Hour 1)</title>
      <description>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

The struggles that women face around pink tax,

"I owe my uncle $11k in overdue rent and he isn’t speaking to me",

"I'm a domestic abuse survivor looking for a fresh start with money",

"How can we grow our family without taking on more debt?"

When you can go into "storm mode" while paying off debt (but why you shouldn't overdo it),

Starting a business on maternity leave.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 11 Jan 2023 20:41:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:

The struggles that women face around pink tax,

"I owe my uncle $11k in overdue rent and he isn’t speaking to me",

"I'm a domestic abuse survivor looking for a fresh start with money",

"How can we grow our family without taking on more debt?"

When you can go into "storm mode" while paying off debt (but why you shouldn't overdo it),

Starting a business on maternity leave.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>The struggles that women face around pink tax,</li>
<li>"I owe my uncle $11k in overdue rent and he isn’t speaking to me",</li>
<li>"I'm a domestic abuse survivor looking for a fresh start with money",</li>
<li>"How can we grow our family without taking on more debt?"</li>
<li>When you can go into "storm mode" while paying off debt (but why you shouldn't overdo it),</li>
<li>Starting a business on maternity leave.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9bb539b0-8e06-11ed-ad36-f7580119b1a9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9792764354.mp3?updated=1673469793" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let FOMO Guide Your Investing Strategy (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

When should I pay off my HELOC?

Why you shouldn't let FOMO inform your investing strategy (and avoid investing in art),

The aftermath of co-signing on a loan,

Investing vs. paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 10 Jan 2023 22:29:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

When should I pay off my HELOC?

Why you shouldn't let FOMO inform your investing strategy (and avoid investing in art),

The aftermath of co-signing on a loan,

Investing vs. paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>When should I pay off my HELOC?</li>
<li>Why you shouldn't let FOMO inform your investing strategy (and avoid investing in art),</li>
<li>The aftermath of co-signing on a loan,</li>
<li>Investing vs. paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[101bd908-8e07-11ed-b2e1-330a01c36c4b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3791059099.mp3?updated=1673389930" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Best Way To Do a Home Remodel (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

"How can I remodel my home without spending a fortune?"

From the blog: What Are the Best Home Improvements to Boost Value?


Update on Kristina's #NoSpendChallenge,

"Do we need life insurance?"

"How long should we save for a house?"

From the blog: How to Save for a House



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 10 Jan 2023 21:33:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

"How can I remodel my home without spending a fortune?"

From the blog: What Are the Best Home Improvements to Boost Value?


Update on Kristina's #NoSpendChallenge,

"Do we need life insurance?"

"How long should we save for a house?"

From the blog: How to Save for a House



Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"How can I remodel my home without spending a fortune?"</li>
<li>From the blog: <a href="https://www.ramseysolutions.com/real-estate/best-home-improvement-value?utm_campaign=trs">What Are the Best Home Improvements to Boost Value?</a>
</li>
<li>Update on Kristina's #NoSpendChallenge,</li>
<li>"Do we need life insurance?"</li>
<li>"How long should we save for a house?"</li>
<li>From the blog: <a href="https://www.ramseysolutions.com/real-estate/how-to-save-money-to-buy-a-house?utm_campaign=trs">How to Save for a House</a>
</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d1216358-8e06-11ed-b36b-5f5ef36de924]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3586433939.mp3?updated=1673386527" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What's the ROI of a College Degree? (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis answer your questions and discuss:

"I'm late saving for my kids' college - what can I do now?"

How to Pay for College Without Student Loans

"My house burned down and friends raised $100k for me - how should I use it?"

The ROI on college degrees (and why you shouldn't consider a student loan an "investment"),

Cash-flowing a master's degree,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 10 Jan 2023 21:07:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis answer your questions and discuss:

"I'm late saving for my kids' college - what can I do now?"

How to Pay for College Without Student Loans

"My house burned down and friends raised $100k for me - how should I use it?"

The ROI on college degrees (and why you shouldn't consider a student loan an "investment"),

Cash-flowing a master's degree,


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis answer your questions and discuss:</p><ul>
<li>"I'm late saving for my kids' college - what can I do now?"</li>
<li><a href="https://www.ramseysolutions.com/saving/pay-for-college-without-student-loans?utm_campaign=trs">How to Pay for College Without Student Loans</a></li>
<li>"My house burned down and friends raised $100k for me - how should I use it?"</li>
<li>The ROI on college degrees (and why you shouldn't consider a student loan an "investment"),</li>
<li>Cash-flowing a master's degree,</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9ba0a086-8e06-11ed-ad36-1f9e982e023d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8030336074.mp3?updated=1673384577" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Beat Inflation With These Money Hacks (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"How do I tackle my debt?"

Inflation hacks for groceries, housing and utilities, transportation, and lifestyle,

Avoiding a flashy lifestyle on a high income,

Preparing for a loved one who has terminal cancer.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 09 Jan 2023 22:26:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"How do I tackle my debt?"

Inflation hacks for groceries, housing and utilities, transportation, and lifestyle,

Avoiding a flashy lifestyle on a high income,

Preparing for a loved one who has terminal cancer.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"How do I tackle my debt?"</li>
<li>Inflation hacks for groceries, housing and utilities, transportation, and lifestyle,</li>
<li>Avoiding a flashy lifestyle on a high income,</li>
<li>Preparing for a loved one who has terminal cancer.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[100557c8-8e07-11ed-b2e1-b7565fbfad4b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5515045506.mp3?updated=1673303313" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Set Myself Up for Financial Success? (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Setting up a marriage for financial success,

"Should I borrow money for a certification that can increase my income?"

"I lost $85k in single stocks",

HR Block offering tax refund advance loans,

Updating payroll tax withholdings,

What to look for when buying a home,

Selling an upside down car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 09 Jan 2023 21:41:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

Setting up a marriage for financial success,

"Should I borrow money for a certification that can increase my income?"

"I lost $85k in single stocks",

HR Block offering tax refund advance loans,

Updating payroll tax withholdings,

What to look for when buying a home,

Selling an upside down car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Setting up a marriage for financial success,</li>
<li>"Should I borrow money for a certification that can increase my income?"</li>
<li>"I lost $85k in single stocks",</li>
<li>HR Block offering tax refund advance loans,</li>
<li>Updating payroll tax withholdings,</li>
<li>What to look for when buying a home,</li>
<li>Selling an upside down car.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d10bf306-8e06-11ed-b36b-73e02719d58a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4708721741.mp3?updated=1673300648" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Put $112k on Credit Cards for Our Wedding (Hour 1)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What's the deal with tipping screens set so high?

"Should I do a cash-out refi to buy a new home?"

The debt snowball method vs. the avalanche method,

"Should we rent before we buy in a city we just moved to?"

Investing after selling off real estate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 09 Jan 2023 21:12:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What's the deal with tipping screens set so high?

"Should I do a cash-out refi to buy a new home?"

The debt snowball method vs. the avalanche method,

"Should we rent before we buy in a city we just moved to?"

Investing after selling off real estate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What's the deal with tipping screens set so high?</li>
<li>"Should I do a cash-out refi to buy a new home?"</li>
<li>The debt snowball method vs. the avalanche method,</li>
<li>"Should we rent before we buy in a city we just moved to?"</li>
<li>Investing after selling off real estate.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9b873a60-8e06-11ed-ad36-07563d9ad30f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1465798508.mp3?updated=1673298709" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Best Grow My Money? (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Is car sharing on Turo a good side hustle?"

What to do when your goals don't align with your financial planner,

Investing vs. saving for a future house,

What to do with unused 529 money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 06 Jan 2023 22:27:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

"Is car sharing on Turo a good side hustle?"

What to do when your goals don't align with your financial planner,

Investing vs. saving for a future house,

What to do with unused 529 money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>"Is car sharing on Turo a good side hustle?"</li>
<li>What to do when your goals don't align with your financial planner,</li>
<li>Investing vs. saving for a future house,</li>
<li>What to do with unused 529 money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6baf256-816b-11ed-afce-8b8447c4adac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3596862361.mp3?updated=1673044064" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s What You Need To Know About Tax Season 2023 (Hour 2)</title>
      <description>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What to expect with your taxes in 2023,

How long to plan to live in a house,

"How can I make a large business purchase without debt?"

Getting out of a car lease.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 06 Jan 2023 21:33:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw answer your questions and discuss:

What to expect with your taxes in 2023,

How long to plan to live in a house,

"How can I make a large business purchase without debt?"

Getting out of a car lease.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>What to expect with your taxes in 2023,</li>
<li>How long to plan to live in a house,</li>
<li>"How can I make a large business purchase without debt?"</li>
<li>Getting out of a car lease.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[332ee438-816b-11ed-b5bc-bfca70214e0a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3937426246.mp3?updated=1673040897" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>JADE RANT: Be a Crockpot in a World Full of Microwaves (Hour 1)</title>
      <description>Join the free Building Wealth Livestream Event on January 12th!

George Kamel &amp; Jade Warshaw answer your questions and discuss:

Paying off the house vs. investing,

"Should I keep a HELOC or refinance?"

IRA: Roth vs. Traditional,

"I took out student loans to invest and lost my money"

"Should I sell the condo?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 06 Jan 2023 21:05:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Join the free Building Wealth Livestream Event on January 12th!

George Kamel &amp; Jade Warshaw answer your questions and discuss:

Paying off the house vs. investing,

"Should I keep a HELOC or refinance?"

IRA: Roth vs. Traditional,

"I took out student loans to invest and lost my money"

"Should I sell the condo?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Join the <a href="https://www.ramseysolutions.com/wealth?utm_source=podcast&amp;utm_medium=show_notes&amp;utm_campaign=the_ramsey_show&amp;utm_id=building_wealth_2023_livestream">free Building Wealth Livestream Event</a> on January 12th!</p><p><br></p><p>George Kamel &amp; Jade Warshaw answer your questions and discuss:</p><ul>
<li>Paying off the house vs. investing,</li>
<li>"Should I keep a HELOC or refinance?"</li>
<li>IRA: Roth vs. Traditional,</li>
<li>"I took out student loans to invest and lost my money"</li>
<li>"Should I sell the condo?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbcc3b76-816a-11ed-b959-131ba614321b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4304385129.mp3?updated=1673039113" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $500K in Debt in a Little Bit of Everything (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

Living in a van to save money on rent,

Why intentionality and identity are key to setting goals this year,

A woman whose husband won't partner with her to pay off $500k of consumer debt,

"I cashed out my whole life insurance; how do I invest the extra money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 05 Jan 2023 22:36:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

Living in a van to save money on rent,

Why intentionality and identity are key to setting goals this year,

A woman whose husband won't partner with her to pay off $500k of consumer debt,

"I cashed out my whole life insurance; how do I invest the extra money?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Living in a van to save money on rent,</li>
<li>Why intentionality and identity are key to setting goals this year,</li>
<li>A woman whose husband won't partner with her to pay off $500k of consumer debt,</li>
<li>"I cashed out my whole life insurance; how do I invest the extra money?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6a61070-816b-11ed-afce-f77da8899560]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3349401096.mp3?updated=1672958355" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Look for a Job With Better Benefits? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I look for a job with better benefits or better pay?"

What Gaslighting actually means,

The best way to use health insurance,

The Damar Hamlin injury and how to deal with trauma,

Helping a friend with crippling anxiety.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 05 Jan 2023 21:47:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

"Should I look for a job with better benefits or better pay?"

What Gaslighting actually means,

The best way to use health insurance,

The Damar Hamlin injury and how to deal with trauma,

Helping a friend with crippling anxiety.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>"Should I look for a job with better benefits or better pay?"</li>
<li>What Gaslighting actually means,</li>
<li>The best way to use health insurance,</li>
<li>The Damar Hamlin injury and how to deal with trauma,</li>
<li>Helping a friend with crippling anxiety.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2581</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[331aed98-816b-11ed-b5bc-9b0ea8887982]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9089502030.mp3?updated=1672955066" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest Extra Money or Keep It in Savings? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony answer your questions and discuss:

Why you shouldn't borrow money from your dad (or anyone for that matter),

How can I help my daughter and her future husband start off on the right foot,

"Should I put extra money in an IRA or keep it in savings?"

"How can I convince my husband to pay off debt instead of wasting it?",

The best way to treat an emergency fund.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 05 Jan 2023 20:43:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony answer your questions and discuss:

Why you shouldn't borrow money from your dad (or anyone for that matter),

How can I help my daughter and her future husband start off on the right foot,

"Should I put extra money in an IRA or keep it in savings?"

"How can I convince my husband to pay off debt instead of wasting it?",

The best way to treat an emergency fund.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony answer your questions and discuss:</p><ul>
<li>Why you shouldn't borrow money from your dad (or anyone for that matter),</li>
<li>How can I help my daughter and her future husband start off on the right foot,</li>
<li>"Should I put extra money in an IRA or keep it in savings?"</li>
<li>"How can I convince my husband to pay off debt instead of wasting it?",</li>
<li>The best way to treat an emergency fund.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fbb88ef0-816a-11ed-b959-4b39e7677dda]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3611223372.mp3?updated=1672951450" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Lump Sum vs. Dollar Cost Averaging (Hour 3)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Lump Sum vs. Dollar Cost Averaging,

How student loans are a lot like gambling debt,

"How do I prepare for college as a 15-year-old?"

Avoiding a reverse mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 04 Jan 2023 22:46:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Lump Sum vs. Dollar Cost Averaging,

How student loans are a lot like gambling debt,

"How do I prepare for college as a 15-year-old?"

Avoiding a reverse mortgage.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Lump Sum vs. Dollar Cost Averaging,</li>
<li>How student loans are a lot like gambling debt,</li>
<li>"How do I prepare for college as a 15-year-old?"</li>
<li>Avoiding a reverse mortgage.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6904a42-816b-11ed-afce-1fcb0d573796]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7935419609.mp3?updated=1672872286" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Niece Is Taking Advantage of You… She Can Work! (Hour 2)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Avoiding getting scammed when trying to sell a home,

Why you shouldn't use your student loan to repair your car,

"What's the best way to save for my kids' college?"

Avoiding enabling a relative who is taking advantage,

Buying vs. renting a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 04 Jan 2023 21:55:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

Avoiding getting scammed when trying to sell a home,

Why you shouldn't use your student loan to repair your car,

"What's the best way to save for my kids' college?"

Avoiding enabling a relative who is taking advantage,

Buying vs. renting a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>Avoiding getting scammed when trying to sell a home,</li>
<li>Why you shouldn't use your student loan to repair your car,</li>
<li>"What's the best way to save for my kids' college?"</li>
<li>Avoiding enabling a relative who is taking advantage,</li>
<li>Buying vs. renting a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[33079892-816b-11ed-b5bc-afd76d720b4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5252450638.mp3?updated=1672869484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Do a #NoSpendChallenge in 2023 (Hour 1)</title>
      <description>Kristina Ellis &amp; George Kamel answer your questions and discuss:

What to do with money from a tax return (and why you shouldn't want or plan for a large return),

How to do a #NoSpendChallenge in 2023,

The right way to buy a home,

"How do I manage my money well after getting my first real job after college?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 04 Jan 2023 20:33:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel answer your questions and discuss:

What to do with money from a tax return (and why you shouldn't want or plan for a large return),

How to do a #NoSpendChallenge in 2023,

The right way to buy a home,

"How do I manage my money well after getting my first real job after college?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel answer your questions and discuss:</p><ul>
<li>What to do with money from a tax return (and why you shouldn't want or plan for a large return),</li>
<li>How to do a #NoSpendChallenge in 2023,</li>
<li>The right way to buy a home,</li>
<li>"How do I manage my money well after getting my first real job after college?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fba4e3e6-816a-11ed-b959-3b890ddcf41b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2206789875.mp3?updated=1672864409" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m a New Listener... How Can I Get My Money Back on Track? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

"My credit cards are maxed out, how can I dig out of this debt?"

Should you take a lunch break?

Matching 401(k) vs. Roth IRA,

Quitting before you have another job lined up,

How long to keep a house on the market.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 03 Jan 2023 22:32:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

"My credit cards are maxed out, how can I dig out of this debt?"

Should you take a lunch break?

Matching 401(k) vs. Roth IRA,

Quitting before you have another job lined up,

How long to keep a house on the market.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"My credit cards are maxed out, how can I dig out of this debt?"</li>
<li>Should you take a lunch break?</li>
<li>Matching 401(k) vs. Roth IRA,</li>
<li>Quitting before you have another job lined up,</li>
<li>How long to keep a house on the market.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b67b9f34-816b-11ed-afce-ef9e90dc269d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9413423873.mp3?updated=1672785397" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off Debt by Selling the House? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Should I take a job just for the benefits?"

"Does it make sense to sell our home to pay off debt?"

Saving money by living in military housing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 03 Jan 2023 22:14:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Should I take a job just for the benefits?"

"Does it make sense to sell our home to pay off debt?"

Saving money by living in military housing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Should I take a job just for the benefits?"</li>
<li>"Does it make sense to sell our home to pay off debt?"</li>
<li>Saving money by living in military housing.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[32f40200-816b-11ed-b5bc-f3bab2d92de5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2036796750.mp3?updated=1672784273" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Long Should It Take Me To Get Out of Debt? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Should I buy a house before I get married to protect myself in case of divorce?"

"How long should it take me to get out of debt?"

"How should I reveal to my new employer that I was recently let go?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 03 Jan 2023 20:39:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman answer your questions and discuss:

"Should I buy a house before I get married to protect myself in case of divorce?"

"How long should it take me to get out of debt?"

"How should I reveal to my new employer that I was recently let go?"


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman answer your questions and discuss:</p><ul>
<li>"Should I buy a house before I get married to protect myself in case of divorce?"</li>
<li>"How long should it take me to get out of debt?"</li>
<li>"How should I reveal to my new employer that I was recently let go?"</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb919cf0-816a-11ed-b959-bf24243ea9fb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5292971061.mp3?updated=1672778555" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Invest Outside of My 401(k)? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Spreading out investments beyond the 401(k),

Staying in a job for the pension,

Quiet Quitting.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 02 Jan 2023 22:26:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Spreading out investments beyond the 401(k),

Staying in a job for the pension,

Quiet Quitting.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Spreading out investments beyond the 401(k),</li>
<li>Staying in a job for the pension,</li>
<li>Quiet Quitting.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b66667d6-816b-11ed-afce-37f7d2152e69]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4136994715.mp3?updated=1672698584" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Know How Much Life Insurance I Need? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Term life insurance,

Internships,

Selling a home vs. renting it out.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 02 Jan 2023 22:04:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Term life insurance,

Internships,

Selling a home vs. renting it out.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Term life insurance,</li>
<li>Internships,</li>
<li>Selling a home vs. renting it out.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[32df40c2-816b-11ed-b5bc-471c992514e4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3374867785.mp3?updated=1672697198" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Start 2023 Off Right With Goals That Actually Work (Hour 1)</title>
      <description>Join the free Building Wealth Livestream Event on January 12th!

Dave Ramsey &amp; Ken Coleman discuss:

How to set effective goals,

What to do with a large profit,

Budgeting on a fluctuating income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 02 Jan 2023 20:56:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Join the free Building Wealth Livestream Event on January 12th!

Dave Ramsey &amp; Ken Coleman discuss:

How to set effective goals,

What to do with a large profit,

Budgeting on a fluctuating income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Join the <a href="https://www.ramseysolutions.com/wealth?utm_source=podcast&amp;utm_medium=show_notes&amp;utm_campaign=the_ramsey_show&amp;utm_id=building_wealth_2023_livestream">free Building Wealth Livestream Event</a> on January 12th!</p><p><br></p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to set effective goals,</li>
<li>What to do with a large profit,</li>
<li>Budgeting on a fluctuating income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb7d78ce-816a-11ed-b959-af2ad1a6b587]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2381278746.mp3?updated=1672693183" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is How You Gain Financial Independence (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Dec 2022 22:27:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e147d4ce-7cc7-11ed-b23a-436934638d4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6892682137.mp3?updated=1672439470" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Set Myself Up for Financial Success? (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Dec 2022 21:39:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b4b6359a-7cc7-11ed-b0e8-3b2be20b5c9d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4009381519.mp3?updated=1672436555" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pay Off My House Right Now? (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Dec 2022 20:51:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[875df1e6-7cc7-11ed-9bff-0f19d9e8c4ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3025024490.mp3?updated=1672433720" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is How You Start Building Wealth (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Dec 2022 22:29:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e12ba4a2-7cc7-11ed-b23a-e3fb1c7b5d66]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4775802032.mp3?updated=1672353190" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Which Baby Step Are We Actually On? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Dec 2022 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b4a03e3e-7cc7-11ed-b0e8-6798c7682a3f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3331804691.mp3?updated=1672350002" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Best Structure My Business? (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Dec 2022 20:49:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8742b278-7cc7-11ed-9bff-33b3458c3532]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5312252992.mp3?updated=1672347035" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Enjoy Money &amp; Still Be Intentional? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Dec 2022 22:25:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e10f4f96-7cc7-11ed-b23a-f3c94c401874]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2634066600.mp3?updated=1672266555" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Handle Employee Stock Options? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Dec 2022 21:48:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b48a3f94-7cc7-11ed-b0e8-33f7f8ab176f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3857088688.mp3?updated=1672263509" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Debt Is Growing Faster Than I Can Pay It Off (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Dec 2022 20:45:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss your questions on money, work, and relationships.</p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8727166c-7cc7-11ed-9bff-9715488f5655]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9269021247.mp3?updated=1672260517" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Help Me Decide: Pay Off the House or Invest (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Dec 2022 22:28:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e0f30b24-7cc7-11ed-b23a-bf868081ed64]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3276997589.mp3?updated=1672180198" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re Way Behind on Our Bills (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Dec 2022 21:58:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b47522d0-7cc7-11ed-b0e8-2fc4de7f2692]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3290216403.mp3?updated=1672178557" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Ready to Change Your Life? (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Dec 2022 20:57:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss your questions on money, work, and relationships.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[870c9f9e-7cc7-11ed-9bff-0bceed0e4ba2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7889138123.mp3?updated=1672174727" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Giving Show Replay (Part 3)</title>
      <description>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Dec 2022 22:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e0d72986-7cc7-11ed-b23a-2bc08d73ef58]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9056391367.mp3?updated=1672093943" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Giving Show Replay (Part 2)</title>
      <description>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Dec 2022 22:02:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b45f8b32-7cc7-11ed-b0e8-ab1cd58d7dca]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6994355109.mp3?updated=1672092246" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Giving Show Replay (Part 1)</title>
      <description>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Dec 2022 22:00:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>A special replay episode of one of the most popular shows of the year: our Annual Giving Show!</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[86f248f6-7cc7-11ed-9bff-f795327d5b64]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4534447349.mp3?updated=1672092214" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>EVERYONE Needs a Will! (Even You) (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

How to best help step-children,

Why EVERYONE needs a will,

What to do with equity from my home,

Paying for a wedding while in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Dec 2022 22:27:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

How to best help step-children,

Why EVERYONE needs a will,

What to do with equity from my home,

Paying for a wedding while in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>How to best help step-children,</li>
<li>Why EVERYONE needs a will,</li>
<li>What to do with equity from my home,</li>
<li>Paying for a wedding while in debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c6ecd20-7cc7-11ed-b2d9-1bdb6713e8a0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3033304289.mp3?updated=1671834596" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing in Company Stocks (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Investing in company stock,

The morality of selling cars with financing,

What to do with a work bonus.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Dec 2022 22:20:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Investing in company stock,

The morality of selling cars with financing,

What to do with a work bonus.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Investing in company stock,</li>
<li>The morality of selling cars with financing,</li>
<li>What to do with a work bonus.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[370ae406-7cc7-11ed-8673-6b428a23c277]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4531879366.mp3?updated=1671831697" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Set Healthy Boundaries When Helping Others? (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Setting boundaries when helping someone,

Owing money to family,

The aftermath of day trading.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Dec 2022 20:37:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Setting boundaries when helping someone,

Owing money to family,

The aftermath of day trading.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Setting boundaries when helping someone,</li>
<li>Owing money to family,</li>
<li>The aftermath of day trading.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[118c59f8-7cc7-11ed-9bff-5f58e04e7447]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1934228092.mp3?updated=1671827996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Smartest Way To Use My HSA? (Hour 3)</title>
      <description>Dave Ramsey &amp; Jade Warshaw discuss:

Saving for college,

Focusing on baby step 2 and 3,

The best way to use an HSA,

Facing foreclosure,

Investing in REITs &amp; DRIPs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Dec 2022 22:27:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw discuss:

Saving for college,

Focusing on baby step 2 and 3,

The best way to use an HSA,

Facing foreclosure,

Investing in REITs &amp; DRIPs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw discuss:</p><ul>
<li>Saving for college,</li>
<li>Focusing on baby step 2 and 3,</li>
<li>The best way to use an HSA,</li>
<li>Facing foreclosure,</li>
<li>Investing in REITs &amp; DRIPs.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c534514-7cc7-11ed-b2d9-63bc3e124167]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2455459320.mp3?updated=1671748264" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Just Went Back in Debt for a “Refund” (Hour 2)</title>
      <description>Dave Ramsey &amp; Jade Warshaw discuss:

Dealing with a mess after applying for student loan forgiveness when you already paid off the loan,

Getting started on the baby steps,

Managing life insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Dec 2022 21:49:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw discuss:

Dealing with a mess after applying for student loan forgiveness when you already paid off the loan,

Getting started on the baby steps,

Managing life insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw discuss:</p><ul>
<li>Dealing with a mess after applying for student loan forgiveness when you already paid off the loan,</li>
<li>Getting started on the baby steps,</li>
<li>Managing life insurance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36f2a5a8-7cc7-11ed-8673-ebc5bc8a7e12]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9998843144.mp3?updated=1671745527" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Where Can I Invest for the Fastest Growth? (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw discuss:

Where business debt goes in the debt snowball,

The best way to use a Christmas bonus,

Investing for the fastest possible growth,

Cash flowing car repairs vs. using an emergency fund,

Pausing investing during storm-mode,

When you need an LLC for a business,

JADE RANT: Young adults are living at home and boosting luxury brand sales.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Dec 2022 21:43:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw discuss:

Where business debt goes in the debt snowball,

The best way to use a Christmas bonus,

Investing for the fastest possible growth,

Cash flowing car repairs vs. using an emergency fund,

Pausing investing during storm-mode,

When you need an LLC for a business,

JADE RANT: Young adults are living at home and boosting luxury brand sales.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw discuss:</p><ul>
<li>Where business debt goes in the debt snowball,</li>
<li>The best way to use a Christmas bonus,</li>
<li>Investing for the fastest possible growth,</li>
<li>Cash flowing car repairs vs. using an emergency fund,</li>
<li>Pausing investing during storm-mode,</li>
<li>When you need an LLC for a business,</li>
<li>JADE RANT: Young adults are living at home and boosting luxury brand sales.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1176a338-7cc7-11ed-9bff-bb00fca07e7e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3451076288.mp3?updated=1671745369" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re About To Lose 85% of Our Income… What Do We Do? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Navigating an 85% drop in income.

Paying off rentals quickly,

Working together with your spouse to provide for your family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Dec 2022 22:26:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Navigating an 85% drop in income.

Paying off rentals quickly,

Working together with your spouse to provide for your family.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Navigating an 85% drop in income.</li>
<li>Paying off rentals quickly,</li>
<li>Working together with your spouse to provide for your family.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c384e6c-7cc7-11ed-b2d9-97fa692f30ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6707273400.mp3?updated=1671661762" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Wells Fargo Screws Their Customers Yet Again (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to settle credit card debt,

How Wells Fargo screwed their customers (yet again) to the tune of $3.7 billion,

Feeling overwhelmed with money,

Pausing paying off debt for a medical emergency.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Dec 2022 21:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to settle credit card debt,

How Wells Fargo screwed their customers (yet again) to the tune of $3.7 billion,

Feeling overwhelmed with money,

Pausing paying off debt for a medical emergency.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to settle credit card debt,</li>
<li>How Wells Fargo screwed their customers (yet again) to the tune of $3.7 billion,</li>
<li>Feeling overwhelmed with money,</li>
<li>Pausing paying off debt for a medical emergency.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36d9c43e-7cc7-11ed-8673-6b215ab4811d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5268858185.mp3?updated=1671658005" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Truth Behind "Leverage" &amp; "Arbitrage"  (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Hesitations paying off a future spouse's debt,

The problem with the concept of "leverage" (aka Debt),

Moving out of your parents' house,

Pulling from retirement funds to pay off a vacation home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Dec 2022 21:22:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Hesitations paying off a future spouse's debt,

The problem with the concept of "leverage" (aka Debt),

Moving out of your parents' house,

Pulling from retirement funds to pay off a vacation home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Hesitations paying off a future spouse's debt,</li>
<li>The problem with the concept of "leverage" (aka Debt),</li>
<li>Moving out of your parents' house,</li>
<li>Pulling from retirement funds to pay off a vacation home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[11603a30-7cc7-11ed-9bff-135a1484711c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1722988265.mp3?updated=1671657980" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Cash Is Just a Mirage (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

How much to save for a wedding,

When a car lease is actually a valuable company perk,

Using savings to pay off the house,

When to talk about money when dating.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Dec 2022 22:31:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

How much to save for a wedding,

When a car lease is actually a valuable company perk,

Using savings to pay off the house,

When to talk about money when dating.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>How much to save for a wedding,</li>
<li>When a car lease is actually a valuable company perk,</li>
<li>Using savings to pay off the house,</li>
<li>When to talk about money when dating.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c1eb59c-7cc7-11ed-b2d9-bb4cd7014e56]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8661139294.mp3?updated=1671575530" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: It’s Time To Change Something! (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Getting a spouse on board,

Pre-paying for college vs. a 529 Plan,

Knowing when you can afford to retire.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Dec 2022 21:28:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Getting a spouse on board,

Pre-paying for college vs. a 529 Plan,

Knowing when you can afford to retire.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Getting a spouse on board,</li>
<li>Pre-paying for college vs. a 529 Plan,</li>
<li>Knowing when you can afford to retire.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36c1c55a-7cc7-11ed-8673-6338fa475342]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2491525884.mp3?updated=1671571923" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Saddle Your Kids With Your Own Mess (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

What to do with savings,

Selling a home to your kids,

What comes next after saving up a full emergency fund,

Student loan forgiveness updates,

What to do with rental property mortgages,

Affording a car after an accident,

Choosing between multiple job offers.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Dec 2022 21:07:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

What to do with savings,

Selling a home to your kids,

What comes next after saving up a full emergency fund,

Student loan forgiveness updates,

What to do with rental property mortgages,

Affording a car after an accident,

Choosing between multiple job offers.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>What to do with savings,</li>
<li>Selling a home to your kids,</li>
<li>What comes next after saving up a full emergency fund,</li>
<li>Student loan forgiveness updates,</li>
<li>What to do with rental property mortgages,</li>
<li>Affording a car after an accident,</li>
<li>Choosing between multiple job offers.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[114a510c-7cc7-11ed-9bff-5f72fe44828a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4076451875.mp3?updated=1671570595" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Want To Win You Need To Submit to a Proven Plan (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with an emotional family situation,

Owing $10k on college classes,

Knowing when to leave a toxic work situation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Dec 2022 22:25:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with an emotional family situation,

Owing $10k on college classes,

Knowing when to leave a toxic work situation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Dealing with an emotional family situation,</li>
<li>Owing $10k on college classes,</li>
<li>Knowing when to leave a toxic work situation.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c04f102-7cc7-11ed-b2d9-93e96ddc709f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8915611801.mp3?updated=1671488909" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy Property Right Now? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Handling a convoluted estate,

Buying a property while still in debt,

When it makes sense to buy a new car,

Navigating Christmas expectations with kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Dec 2022 22:17:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Handling a convoluted estate,

Buying a property while still in debt,

When it makes sense to buy a new car,

Navigating Christmas expectations with kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Handling a convoluted estate,</li>
<li>Buying a property while still in debt,</li>
<li>When it makes sense to buy a new car,</li>
<li>Navigating Christmas expectations with kids.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36a9d260-7cc7-11ed-8673-6308e0dc80fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6149042618.mp3?updated=1671488434" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Personal Finance Is 80% Behavior &amp; 20% Knowledge (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Changing careers while paying off debt,

Buying a campground with a loan,

Using savings to buy a car,

Starting a marriage with debt,

Attacking almost a million dollars in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Dec 2022 20:53:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Changing careers while paying off debt,

Buying a campground with a loan,

Using savings to buy a car,

Starting a marriage with debt,

Attacking almost a million dollars in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Changing careers while paying off debt,</li>
<li>Buying a campground with a loan,</li>
<li>Using savings to buy a car,</li>
<li>Starting a marriage with debt,</li>
<li>Attacking almost a million dollars in debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1133b140-7cc7-11ed-9bff-dbc62956dcd3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3761052110.mp3?updated=1671483239" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Moving In With Family To Save Up for a Home (Hour 3)</title>
      <description>Ken Coleman &amp; Jade Warshaw discuss:

Taking a work-from-home job,

Dropping out of high school to start working,

Last-minute Christmas gift ideas,

Moving in with family to save up for a house,

Getting life back on track.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Dec 2022 22:41:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw discuss:

Taking a work-from-home job,

Dropping out of high school to start working,

Last-minute Christmas gift ideas,

Moving in with family to save up for a house,

Getting life back on track.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw discuss:</p><ul>
<li>Taking a work-from-home job,</li>
<li>Dropping out of high school to start working,</li>
<li>Last-minute Christmas gift ideas,</li>
<li>Moving in with family to save up for a house,</li>
<li>Getting life back on track.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b717df7e-77f8-11ed-862c-172b54c3fe6a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8463905507.mp3?updated=1671230644" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should Baby Step 1 Be Adjusted for Inflation? (Hour 2)</title>
      <description>Ken Coleman &amp; Jade Warshaw discuss:

Why you should stop trying to build your credit score,

Whether or not Baby Step 1 ($1000 emergency fund) should be adjusted for inflation,

Men quitting the work force when they don't get what they want,

Saving for retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Dec 2022 22:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw discuss:

Why you should stop trying to build your credit score,

Whether or not Baby Step 1 ($1000 emergency fund) should be adjusted for inflation,

Men quitting the work force when they don't get what they want,

Saving for retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw discuss:</p><ul>
<li>Why you should stop trying to build your credit score,</li>
<li>Whether or not Baby Step 1 ($1000 emergency fund) should be adjusted for inflation,</li>
<li>Men quitting the work force when they don't get what they want,</li>
<li>Saving for retirement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[89a5ff12-77f8-11ed-909a-eb37d710014c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6325332851.mp3?updated=1671230286" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Get Started Investing? (Hour 1)</title>
      <description>Ken Coleman &amp; Jade Warshaw discuss:

How to get started investing,

Dealing with the awkwardness of a younger, less experienced boss.

Going straight into management,

Continuing to rent vs. buying a house,

When is a good time to change careers.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Dec 2022 21:00:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Jade Warshaw discuss:

How to get started investing,

Dealing with the awkwardness of a younger, less experienced boss.

Going straight into management,

Continuing to rent vs. buying a house,

When is a good time to change careers.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Jade Warshaw discuss:</p><ul>
<li>How to get started investing,</li>
<li>Dealing with the awkwardness of a younger, less experienced boss.</li>
<li>Going straight into management,</li>
<li>Continuing to rent vs. buying a house,</li>
<li>When is a good time to change careers.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5bbe4f5a-77f8-11ed-aa27-4b32290ba82f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5474944545.mp3?updated=1671224503" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Marriage Really a Financial Trap? (Hour 3)</title>
      <description>George Kamel &amp; Jade Warshaw discuss:

When a Roth conversion makes sense,

A listener's idea that marriage is a financial trap for men,

Choosing and affording health insurance,

Adjusting a housing situation when preparing to have twins,

Buying a lake house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Dec 2022 22:30:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Jade Warshaw discuss:

When a Roth conversion makes sense,

A listener's idea that marriage is a financial trap for men,

Choosing and affording health insurance,

Adjusting a housing situation when preparing to have twins,

Buying a lake house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Jade Warshaw discuss:</p><ul>
<li>When a Roth conversion makes sense,</li>
<li>A listener's idea that marriage is a financial trap for men,</li>
<li>Choosing and affording health insurance,</li>
<li>Adjusting a housing situation when preparing to have twins,</li>
<li>Buying a lake house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2583</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b7001b46-77f8-11ed-862c-bb815126b616]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8235839758.mp3?updated=1671143418" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy or Rent a House? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Buying vs. renting,

Feeling like you can't get ahead,

Accepting gifts from parents with strings attached,

Struggling with Lyme Disease and dropping down to a single income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Dec 2022 21:35:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Buying vs. renting,

Feeling like you can't get ahead,

Accepting gifts from parents with strings attached,

Struggling with Lyme Disease and dropping down to a single income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Buying vs. renting,</li>
<li>Feeling like you can't get ahead,</li>
<li>Accepting gifts from parents with strings attached,</li>
<li>Struggling with Lyme Disease and dropping down to a single income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8991b0e8-77f8-11ed-909a-fbe40b8e1306]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1333590975.mp3?updated=1671140000" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is $1000 Enough for an Emergency Fund? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Staying in the military to get student loan forgiveness,

Cashing out stock to pay off debt,

If $1000 is enough for an emergency fund,

Parents suing Fortnite for getting their kids addicted to the game.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Dec 2022 20:47:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Staying in the military to get student loan forgiveness,

Cashing out stock to pay off debt,

If $1000 is enough for an emergency fund,

Parents suing Fortnite for getting their kids addicted to the game.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Staying in the military to get student loan forgiveness,</li>
<li>Cashing out stock to pay off debt,</li>
<li>If $1000 is enough for an emergency fund,</li>
<li>Parents suing Fortnite for getting their kids addicted to the game.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5ba3f59c-77f8-11ed-aa27-4be6230349a3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8140969511.mp3?updated=1671137350" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Christmas Giving Show (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Dec 2022 22:31:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.</p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6e92e36-77f8-11ed-862c-b39d7447dbc8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1295669075.mp3?updated=1671057203" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Christmas Giving Show (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Dec 2022 21:58:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.</p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[897d7448-77f8-11ed-909a-9f6095a28d43]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6004570842.mp3?updated=1671055241" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2022 Annual Christmas Giving Show (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Dec 2022 21:49:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze hear stories of outrageous generosity and explore the power of giving and receiving.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5b87589c-77f8-11ed-aa27-579489fb2406]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2912183519.mp3?updated=1671054502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How I Find Accountability Budgeting as a Single Person? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Finding accountability when budgeting,

Giving land to family members,

Retiring young,

How you can (or can't) treat kids equally and fairly.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Dec 2022 22:25:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Finding accountability when budgeting,

Giving land to family members,

Retiring young,

How you can (or can't) treat kids equally and fairly.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Finding accountability when budgeting,</li>
<li>Giving land to family members,</li>
<li>Retiring young,</li>
<li>How you can (or can't) treat kids equally and fairly.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6d4358a-77f8-11ed-862c-df09747deb3a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7758656838.mp3?updated=1670970465" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m in Way Over My Head &amp; Have No Idea What To Do (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Getting on track paying off debt,

Getting on the same page with your spouse,

What to do when your rent is too high,

Paying off the mortgage with money from an IRA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Dec 2022 21:31:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Getting on track paying off debt,

Getting on the same page with your spouse,

What to do when your rent is too high,

Paying off the mortgage with money from an IRA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Getting on track paying off debt,</li>
<li>Getting on the same page with your spouse,</li>
<li>What to do when your rent is too high,</li>
<li>Paying off the mortgage with money from an IRA.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[896a0746-77f8-11ed-909a-57819617cd95]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3868118311.mp3?updated=1670967424" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why You Should Never Use a HELOC for Home Renovations (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Why you shouldn't take out a HELOC for home renovations,

Pulling from a TSP to pay off debt,

Whether your loyalty is to your spouse or your parents,

Knowing when to sell a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Dec 2022 21:03:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Why you shouldn't take out a HELOC for home renovations,

Pulling from a TSP to pay off debt,

Whether your loyalty is to your spouse or your parents,

Knowing when to sell a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Why you shouldn't take out a HELOC for home renovations,</li>
<li>Pulling from a TSP to pay off debt,</li>
<li>Whether your loyalty is to your spouse or your parents,</li>
<li>Knowing when to sell a rental property.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5b6daf8c-77f8-11ed-aa27-afd84f65053d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2272398325.mp3?updated=1670965579" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Think Twice Before You Buy a Fixer-Upper… (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Pausing house saving to buy a car,

Keeping a job just for the pension,

Why you should stop and think before you buy a fixer-upper,

Investing in a Roth until you get the company match,

When to get long-term care insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Dec 2022 22:25:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Pausing house saving to buy a car,

Keeping a job just for the pension,

Why you should stop and think before you buy a fixer-upper,

Investing in a Roth until you get the company match,

When to get long-term care insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Pausing house saving to buy a car,</li>
<li>Keeping a job just for the pension,</li>
<li>Why you should stop and think before you buy a fixer-upper,</li>
<li>Investing in a Roth until you get the company match,</li>
<li>When to get long-term care insurance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6c094f8-77f8-11ed-862c-7b1c5f6a3535]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8835435135.mp3?updated=1670884148" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get Out of a Whole Life Policy? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Getting out of a whole life policy,

Making a decision about a job internship,

Selling a home vs. renting it out,

Pulling money out of mutual funds.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Dec 2022 21:49:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Getting out of a whole life policy,

Making a decision about a job internship,

Selling a home vs. renting it out,

Pulling money out of mutual funds.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Getting out of a whole life policy,</li>
<li>Making a decision about a job internship,</li>
<li>Selling a home vs. renting it out,</li>
<li>Pulling money out of mutual funds.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2577</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[89562ca8-77f8-11ed-909a-370dfaa5f2a0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1199807117.mp3?updated=1670882027" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can't Blame Your Way to a Better Life (Own It!) (Hour 1)</title>
      <description>Dave Ramsey &amp; Jade Warshaw discuss:

Handling money from a side-hustle,

Whether or not you can afford to buy a new car,

What counts as financial infidelity,

The best investing strategy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Dec 2022 20:46:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Jade Warshaw discuss:

Handling money from a side-hustle,

Whether or not you can afford to buy a new car,

What counts as financial infidelity,

The best investing strategy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Jade Warshaw discuss:</p><ul>
<li>Handling money from a side-hustle,</li>
<li>Whether or not you can afford to buy a new car,</li>
<li>What counts as financial infidelity,</li>
<li>The best investing strategy.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5b536b54-77f8-11ed-aa27-63f089833c53]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2465147304.mp3?updated=1670878096" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting Started on Your Debt-Payoff Journey (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Getting a second vehicle,

Preparing to move out,

Getting started paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Dec 2022 22:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Getting a second vehicle,

Preparing to move out,

Getting started paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Getting a second vehicle,</li>
<li>Preparing to move out,</li>
<li>Getting started paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e89cc1a2-7011-11ed-b6e0-9307fb582231]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3417701977.mp3?updated=1670531515" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Uninspired and Stuck (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Feel uninspired and "Dave-ish",

How to bargain with collection companies.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Dec 2022 21:20:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Feel uninspired and "Dave-ish",

How to bargain with collection companies.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Selling a car to pay off debt,</li>
<li>Feel uninspired and "Dave-ish",</li>
<li>How to bargain with collection companies.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b70e90e8-7011-11ed-9980-7fcf068da984]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2889826383.mp3?updated=1670530921" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Inflation-Proof My Savings? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Investing vs. paying off the house,

How to help without enabling,

Pulling from a 401(k) to buy a car,

Protecting savings from inflation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Dec 2022 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Investing vs. paying off the house,

How to help without enabling,

Pulling from a 401(k) to buy a car,

Protecting savings from inflation.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Investing vs. paying off the house,</li>
<li>How to help without enabling,</li>
<li>Pulling from a 401(k) to buy a car,</li>
<li>Protecting savings from inflation.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[85b28586-7011-11ed-a8eb-cf380993d8f4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7675258326.mp3?updated=1670530460" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It Doesn't Cost Anything To Look At The Menu (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How much of your net worth should be invested in real estate,

When you should sell rental property and pay off your mortgage,

How using a 529 can be more beneficial for an UTMA when saving for your kids college,

When you should prioritize saving for a home over investing,

How selling the boat may be sad but being debt free brings freedom,

The best way to negotiate a job change within your current company,

The dangers associated with employers offering for their team to apply to be laid off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Dec 2022 22:29:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How much of your net worth should be invested in real estate,

When you should sell rental property and pay off your mortgage,

How using a 529 can be more beneficial for an UTMA when saving for your kids college,

When you should prioritize saving for a home over investing,

How selling the boat may be sad but being debt free brings freedom,

The best way to negotiate a job change within your current company,

The dangers associated with employers offering for their team to apply to be laid off.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How much of your net worth should be invested in real estate,</li>
<li>When you should sell rental property and pay off your mortgage,</li>
<li>How using a 529 can be more beneficial for an UTMA when saving for your kids college,</li>
<li>When you should prioritize saving for a home over investing,</li>
<li>How selling the boat may be sad but being debt free brings freedom,</li>
<li>The best way to negotiate a job change within your current company,</li>
<li>The dangers associated with employers offering for their team to apply to be laid off.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e88bd252-7011-11ed-b6e0-bfd17ec6e1b0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8123195473.mp3?updated=1670538781" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Avoid Bankruptcy After Your Business Fails (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to figure out if you're weather a storm at your job or if you need new employment,

How to avoid bankruptcy after your business fails,

What you need to do to increase your income when you hit rock bottom,

How to decide if you're going to take a promotion,

How weird the current job market is.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Dec 2022 21:25:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to figure out if you're weather a storm at your job or if you need new employment,

How to avoid bankruptcy after your business fails,

What you need to do to increase your income when you hit rock bottom,

How to decide if you're going to take a promotion,

How weird the current job market is.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to figure out if you're weather a storm at your job or if you need new employment,</li>
<li>How to avoid bankruptcy after your business fails,</li>
<li>What you need to do to increase your income when you hit rock bottom,</li>
<li>How to decide if you're going to take a promotion,</li>
<li>How weird the current job market is.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6f8704c-7011-11ed-9980-1b7a8073f5fd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7460062704.mp3?updated=1670534856" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Corporate America's Layoffs Are WRONG And How To Do It Right (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to rebuild your entire life after a divorce,

How large corporations are exposing their selfishness with massive layoffs,

How to have dignity when you need to lay off team members during difficult times,

How to get motivated so you don't have to stay broke,

How paying off your house faster is tied to changing your family tree,

How working more could be the simple answer to getting out of debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Dec 2022 20:40:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to rebuild your entire life after a divorce,

How large corporations are exposing their selfishness with massive layoffs,

How to have dignity when you need to lay off team members during difficult times,

How to get motivated so you don't have to stay broke,

How paying off your house faster is tied to changing your family tree,

How working more could be the simple answer to getting out of debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to rebuild your entire life after a divorce,</li>
<li>How large corporations are exposing their selfishness with massive layoffs,</li>
<li>How to have dignity when you need to lay off team members during difficult times,</li>
<li>How to get motivated so you don't have to stay broke,</li>
<li>How paying off your house faster is tied to changing your family tree,</li>
<li>How working more could be the simple answer to getting out of debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[859d73da-7011-11ed-a8eb-bbffba264fcf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7395099744.mp3?updated=1670532223" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s the Fastest Way To Get Out of Debt (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Ways that you can pay off your debt more quickly,

When to pay off your house,

How to best save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Dec 2022 22:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Ways that you can pay off your debt more quickly,

When to pay off your house,

How to best save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Ways that you can pay off your debt more quickly,</li>
<li>When to pay off your house,</li>
<li>How to best save for college.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e87aeca8-7011-11ed-b6e0-b3a973c363cb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8086088671.mp3?updated=1670452529" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why You Should Only Invest in What You Understand (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Investing in what you understand,

The student loan forgiveness debacle continues,

Why owning a home can be a curse rather than a blessing if you're not ready to buy,

Looking for a job,

How to get started building wealth.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Dec 2022 21:55:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Investing in what you understand,

The student loan forgiveness debacle continues,

Why owning a home can be a curse rather than a blessing if you're not ready to buy,

Looking for a job,

How to get started building wealth.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Investing in what you understand,</li>
<li>The student loan forgiveness debacle continues,</li>
<li>Why owning a home can be a curse rather than a blessing if you're not ready to buy,</li>
<li>Looking for a job,</li>
<li>How to get started building wealth.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6e2b6da-7011-11ed-9980-e70d6a4b05f5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4130367774.mp3?updated=1670450334" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How “Cash Stuffing” Works (Aka the Envelope System) (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Firing clients to grow your business,

The fad of "Cash Stuffing" aka budgeting with an envelope system,

Deciding to move overseas,

Investing strategy as a filmstrip instead of a snapshot,

What happens when a parent refuses to pay back a parent-plus loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Dec 2022 20:54:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Firing clients to grow your business,

The fad of "Cash Stuffing" aka budgeting with an envelope system,

Deciding to move overseas,

Investing strategy as a filmstrip instead of a snapshot,

What happens when a parent refuses to pay back a parent-plus loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Firing clients to grow your business,</li>
<li>The fad of "Cash Stuffing" aka budgeting with an envelope system,</li>
<li>Deciding to move overseas,</li>
<li>Investing strategy as a filmstrip instead of a snapshot,</li>
<li>What happens when a parent refuses to pay back a parent-plus loan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8587b34c-7011-11ed-a8eb-8303085436aa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2205570580.mp3?updated=1670446207" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is Why Whole Life Insurance Sucks (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Taking a child out of a will who refuses to speak to you,

Why whole life insurance is the worst,

What to do with an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Dec 2022 22:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Taking a child out of a will who refuses to speak to you,

Why whole life insurance is the worst,

What to do with an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Taking a child out of a will who refuses to speak to you,</li>
<li>Why whole life insurance is the worst,</li>
<li>What to do with an inheritance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e86a2a8a-7011-11ed-b6e0-171e24781b00]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1272099728.mp3?updated=1670365751" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Settle My Bills? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to navigate getting your bills out of collections,

Selling/transferring a house to your children,

Pulling from an IRA to pay off a house,

The best way to open an IRA,

When to plan to get a new vehicle,

Rolling a 401(k) into a Roth IRA,

When it's time to quit your job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Dec 2022 22:03:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to navigate getting your bills out of collections,

Selling/transferring a house to your children,

Pulling from an IRA to pay off a house,

The best way to open an IRA,

When to plan to get a new vehicle,

Rolling a 401(k) into a Roth IRA,

When it's time to quit your job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to navigate getting your bills out of collections,</li>
<li>Selling/transferring a house to your children,</li>
<li>Pulling from an IRA to pay off a house,</li>
<li>The best way to open an IRA,</li>
<li>When to plan to get a new vehicle,</li>
<li>Rolling a 401(k) into a Roth IRA,</li>
<li>When it's time to quit your job.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6cc59f8-7011-11ed-9980-17bf6d8c6539]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3420801154.mp3?updated=1670364295" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Leave a Toxic Work Situation (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Our newest Ramsey Personality, Jade Warshaw

How to quit a toxic workplace,

Deciding how long to keep a business open,

What to do with a pension.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Dec 2022 20:57:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Our newest Ramsey Personality, Jade Warshaw

How to quit a toxic workplace,

Deciding how long to keep a business open,

What to do with a pension.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Our newest Ramsey Personality, Jade Warshaw</li>
<li>How to quit a toxic workplace,</li>
<li>Deciding how long to keep a business open,</li>
<li>What to do with a pension.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[85721a96-7011-11ed-a8eb-9beaa728d3a3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6971930172.mp3?updated=1670360337" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Become a True Investor Instead of a Victim of Debt (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why it makes sense to pay off your house,

The BS that is your FICO score,

Knowing when it makes sense to move somewhere cheaper.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Dec 2022 22:23:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why it makes sense to pay off your house,

The BS that is your FICO score,

Knowing when it makes sense to move somewhere cheaper.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why it makes sense to pay off your house,</li>
<li>The BS that is your FICO score,</li>
<li>Knowing when it makes sense to move somewhere cheaper.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8592a00-7011-11ed-b6e0-eb0c66d7ff61]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1115503096.mp3?updated=1670279228" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Dirty Little Secret About Real Estate Rentals (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why renting out your house when you move isn't as easy as it sounds,

What to do with a student loan "refund" from your servicing company,

The timing of changing careers,

Budgeting for a business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Dec 2022 21:47:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why renting out your house when you move isn't as easy as it sounds,

What to do with a student loan "refund" from your servicing company,

The timing of changing careers,

Budgeting for a business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why renting out your house when you move isn't as easy as it sounds,</li>
<li>What to do with a student loan "refund" from your servicing company,</li>
<li>The timing of changing careers,</li>
<li>Budgeting for a business.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6b62fa2-7011-11ed-9980-132f029f37e9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1624001132.mp3?updated=1670277042" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off My House or Expand My Business? Help Me Decide (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Expanding a business or paying off debt,

Using savings to pay off debt,

Taking out a 401(k) loan,

College gambling,

Selling a house vs. renting it out.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Dec 2022 21:39:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Expanding a business or paying off debt,

Using savings to pay off debt,

Taking out a 401(k) loan,

College gambling,

Selling a house vs. renting it out.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Expanding a business or paying off debt,</li>
<li>Using savings to pay off debt,</li>
<li>Taking out a 401(k) loan,</li>
<li>College gambling,</li>
<li>Selling a house vs. renting it out.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[855cbc96-7011-11ed-a8eb-97345a7ad936]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7810704284.mp3?updated=1670274611" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Does Money Actually Make You Happier? (Hour 3)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Whether or not money actually buys happiness,

Budgeting increased income,

When you can afford to buy a pet,

Investing while paying off debt,

What comes next after paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Dec 2022 22:24:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Whether or not money actually buys happiness,

Budgeting increased income,

When you can afford to buy a pet,

Investing while paying off debt,

What comes next after paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Whether or not money actually buys happiness,</li>
<li>Budgeting increased income,</li>
<li>When you can afford to buy a pet,</li>
<li>Investing while paying off debt,</li>
<li>What comes next after paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd6eff6c-6b4a-11ed-919b-d75da1454394]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2323847601.mp3?updated=1670020027" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Only Control Yourself, Not Anyone Else (Hour 2)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

How to know if you're ready to buy a house,

Helping parents who keep getting scammed,

10 Question in 10 Minutes on Instagram live,

Pausing investing to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Dec 2022 21:35:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

How to know if you're ready to buy a house,

Helping parents who keep getting scammed,

10 Question in 10 Minutes on Instagram live,

Pausing investing to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>How to know if you're ready to buy a house,</li>
<li>Helping parents who keep getting scammed,</li>
<li>10 Question in 10 Minutes on Instagram live,</li>
<li>Pausing investing to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7acb2f6-6b4a-11ed-9068-678cc68c030e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8348417857.mp3?updated=1670016788" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Buy a House While Paying Off Debt? (Hour 1)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Paying off student loans even if there's a chance they get forgiven,

Selling or renting out a house to move into a camper,

Are we considered self-insured?

What to do with a house once you get married,

Paying off a car loan,

Getting a girlfriend on board with the Ramsey plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Dec 2022 20:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Paying off student loans even if there's a chance they get forgiven,

Selling or renting out a house to move into a camper,

Are we considered self-insured?

What to do with a house once you get married,

Paying off a car loan,

Getting a girlfriend on board with the Ramsey plan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Paying off student loans even if there's a chance they get forgiven,</li>
<li>Selling or renting out a house to move into a camper,</li>
<li>Are we considered self-insured?</li>
<li>What to do with a house once you get married,</li>
<li>Paying off a car loan,</li>
<li>Getting a girlfriend on board with the Ramsey plan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b02f04ea-6b4a-11ed-bb2d-7baf480d100c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9492436479.mp3?updated=1670013608" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Ask for a Raise? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Asking for a raise,

Saving for a home,

Investing in retirement outside a pension,

How to know if you're ready to have kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Dec 2022 23:11:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Asking for a raise,

Saving for a home,

Investing in retirement outside a pension,

How to know if you're ready to have kids.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Asking for a raise,</li>
<li>Saving for a home,</li>
<li>Investing in retirement outside a pension,</li>
<li>How to know if you're ready to have kids.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd57bd34-6b4a-11ed-919b-33599b39fb05]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3384474607.mp3?updated=1669935180" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Handling Money With Grace vs. Being Hardcore (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

When parents offer to pay for travel plans,

When spouses disagree on when to give kids money,

Pausing Baby Step 3 to pay for a car,

Catching up on the Baby Steps after getting off to a late start,

Update on student loan forgiveness,

What to do with a workers comp settlement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Dec 2022 21:48:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

When parents offer to pay for travel plans,

When spouses disagree on when to give kids money,

Pausing Baby Step 3 to pay for a car,

Catching up on the Baby Steps after getting off to a late start,

Update on student loan forgiveness,

What to do with a workers comp settlement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>When parents offer to pay for travel plans,</li>
<li>When spouses disagree on when to give kids money,</li>
<li>Pausing Baby Step 3 to pay for a car,</li>
<li>Catching up on the Baby Steps after getting off to a late start,</li>
<li>Update on student loan forgiveness,</li>
<li>What to do with a workers comp settlement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7952e4c-6b4a-11ed-9068-e3c5ab5baafc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5696451128.mp3?updated=1669931393" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Of Course Your Banker Wants You To Stay in Debt! (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

How to get started on the baby steps,

Why you shouldn't keep your mortgage (to avoid fraud),

Managing the will of a friend (and why you need a will).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Dec 2022 20:56:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

How to get started on the baby steps,

Why you shouldn't keep your mortgage (to avoid fraud),

Managing the will of a friend (and why you need a will).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>How to get started on the baby steps,</li>
<li>Why you shouldn't keep your mortgage (to avoid fraud),</li>
<li>Managing the will of a friend (and why you need a will).</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b016ca1a-6b4a-11ed-bb2d-cbfc85d7245f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5826692822.mp3?updated=1669927538" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Quit My Job To Start a Business? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

When home insurance won't cover the value of the property,

Whether or not to start your own business when expecting a baby,

How to navigate combining finances and households when getting remarried,

When you should sell property you own that is out of state.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 30 Nov 2022 22:24:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

When home insurance won't cover the value of the property,

Whether or not to start your own business when expecting a baby,

How to navigate combining finances and households when getting remarried,

When you should sell property you own that is out of state.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>When home insurance won't cover the value of the property,</li>
<li>Whether or not to start your own business when expecting a baby,</li>
<li>How to navigate combining finances and households when getting remarried,</li>
<li>When you should sell property you own that is out of state.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd40aec8-6b4a-11ed-919b-6fa68d98b168]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7541514952.mp3?updated=1669847330" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Want To Win You Need To Stick to the Proven Plan (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Using savings to pay off a home,

Why a pension doesn't count toward the 15% retirement goal,

Moving up in house for safety reasons,

Investing more than 15% to make up for lost time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 30 Nov 2022 21:26:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Using savings to pay off a home,

Why a pension doesn't count toward the 15% retirement goal,

Moving up in house for safety reasons,

Investing more than 15% to make up for lost time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Using savings to pay off a home,</li>
<li>Why a pension doesn't count toward the 15% retirement goal,</li>
<li>Moving up in house for safety reasons,</li>
<li>Investing more than 15% to make up for lost time.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d77e0da2-6b4a-11ed-9068-1f7ddf0ea6cd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2910758070.mp3?updated=1669843721" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: If You’re Broke, Quit Eating Out! (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Whether or not to wait for student loan forgiveness,

Traveling while paying off debt,

Another crypto exchange files for bankruptcy,

Starting over after a divorce,

Why cooking at home is cheaper than eating out (even in 2022).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 30 Nov 2022 20:55:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Whether or not to wait for student loan forgiveness,

Traveling while paying off debt,

Another crypto exchange files for bankruptcy,

Starting over after a divorce,

Why cooking at home is cheaper than eating out (even in 2022).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Whether or not to wait for student loan forgiveness,</li>
<li>Traveling while paying off debt,</li>
<li>Another crypto exchange files for bankruptcy,</li>
<li>Starting over after a divorce,</li>
<li>Why cooking at home is cheaper than eating out (even in 2022).</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afff8db4-6b4a-11ed-bb2d-aff632243726]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2354115354.mp3?updated=1669841821" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s How You Get Started Building Wealth (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

How to get started building wealth,

Dealing with the loss of a job,

How much life insurance you need.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 29 Nov 2022 22:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

How to get started building wealth,

Dealing with the loss of a job,

How much life insurance you need.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>How to get started building wealth,</li>
<li>Dealing with the loss of a job,</li>
<li>How much life insurance you need.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd28fd3c-6b4a-11ed-919b-c3411eb8071d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3198421263.mp3?updated=1669761374" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Cashflow Grad School? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

How to pass rental properties to your kids,

Cash-flowing grad school,

Digging out of $750k of dental school debt,

Moving while paying off debt,

The unintended consequences of divorce.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 29 Nov 2022 21:55:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

How to pass rental properties to your kids,

Cash-flowing grad school,

Digging out of $750k of dental school debt,

Moving while paying off debt,

The unintended consequences of divorce.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>How to pass rental properties to your kids,</li>
<li>Cash-flowing grad school,</li>
<li>Digging out of $750k of dental school debt,</li>
<li>Moving while paying off debt,</li>
<li>The unintended consequences of divorce.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d767114c-6b4a-11ed-9068-1bf8976d858d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9464813824.mp3?updated=1669758843" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: This Is a Million Dollar Mistake (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why annuities suck,

Pulling from a 401(k) at age 55,

What to do when you can't afford to move out after a divorce,

Taking an estranged child out of a will.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 29 Nov 2022 20:55:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why annuities suck,

Pulling from a 401(k) at age 55,

What to do when you can't afford to move out after a divorce,

Taking an estranged child out of a will.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why annuities suck,</li>
<li>Pulling from a 401(k) at age 55,</li>
<li>What to do when you can't afford to move out after a divorce,</li>
<li>Taking an estranged child out of a will.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afe841d6-6b4a-11ed-bb2d-8b8b41db94ce]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8086863225.mp3?updated=1669755401" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Found Out I Might Be a Father… How Do I Get My Life on Track? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Helping parents with their debt,

Getting your life on track after a rough spell,

Why owning rental property isn't as easy as you think.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 28 Nov 2022 22:30:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Helping parents with their debt,

Getting your life on track after a rough spell,

Why owning rental property isn't as easy as you think.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Selling a car to pay off debt,</li>
<li>Helping parents with their debt,</li>
<li>Getting your life on track after a rough spell,</li>
<li>Why owning rental property isn't as easy as you think.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd10e56c-6b4a-11ed-919b-1b027ef0dd17]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1232397452.mp3?updated=1669674666" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take a More Difficult Job That Pays Better? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Preparing for financial stability,

Working a difficult job that pays well,

Liquidating investments to buy a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 28 Nov 2022 21:38:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Preparing for financial stability,

Working a difficult job that pays well,

Liquidating investments to buy a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Preparing for financial stability,</li>
<li>Working a difficult job that pays well,</li>
<li>Liquidating investments to buy a house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7506fb4-6b4a-11ed-9068-737ff016e17b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6106396056.mp3?updated=1669671592" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Struggling To Budget With My Income (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Adjusting investments to save for a house down-payment,

Learning to budget on increased income,

How to know if your mortgage is too high,

What to do with a family heirloom,

Paying back an estranged parent.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 28 Nov 2022 21:00:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Adjusting investments to save for a house down-payment,

Learning to budget on increased income,

How to know if your mortgage is too high,

What to do with a family heirloom,

Paying back an estranged parent.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Adjusting investments to save for a house down-payment,</li>
<li>Learning to budget on increased income,</li>
<li>How to know if your mortgage is too high,</li>
<li>What to do with a family heirloom,</li>
<li>Paying back an estranged parent.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afd0efcc-6b4a-11ed-bb2d-0ff1e417e6ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9891968853.mp3?updated=1669669083" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Was Fired From My Job (Hour 3)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Being fired from a job,

Buying a home now or waiting,

Being put in charge of parents' finances.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 25 Nov 2022 22:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Being fired from a job,

Buying a home now or waiting,

Being put in charge of parents' finances.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Being fired from a job,</li>
<li>Buying a home now or waiting,</li>
<li>Being put in charge of parents' finances.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7ced3352-677d-11ed-9386-bbcf6f41d909]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5864605489.mp3?updated=1669154316" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Challenges Keep You From Pursuing Your Dreams (Hour 2)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Purchasing a home,

Achieving your goals despite disabilities,

Where to start a debt payoff journey.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 25 Nov 2022 21:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Purchasing a home,

Achieving your goals despite disabilities,

Where to start a debt payoff journey.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Purchasing a home,</li>
<li>Achieving your goals despite disabilities,</li>
<li>Where to start a debt payoff journey.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d965e30-677d-11ed-948c-8bf033c74beb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7625647611.mp3?updated=1669154323" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Can I Upgrade the House? (Hour 1)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Renting vs. buying, and investing in a 401(k),

Whether or not to file for bankruptcy,

Upgrading the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 25 Nov 2022 20:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Renting vs. buying, and investing in a 401(k),

Whether or not to file for bankruptcy,

Upgrading the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Renting vs. buying, and investing in a 401(k),</li>
<li>Whether or not to file for bankruptcy,</li>
<li>Upgrading the house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f8dcd84-677d-11ed-aaf8-b75f02218a34]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3403849033.mp3?updated=1669154330" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Cash Out Our Mutual Funds To Pay for a House? (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Cashing out mutual funds for a house down payment,

Pausing Baby Step 2 to pay for a car,

Leaving a safe job to earn more money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 24 Nov 2022 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Cashing out mutual funds for a house down payment,

Pausing Baby Step 2 to pay for a car,

Leaving a safe job to earn more money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Cashing out mutual funds for a house down payment,</li>
<li>Pausing Baby Step 2 to pay for a car,</li>
<li>Leaving a safe job to earn more money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7cda57a0-677d-11ed-9386-4b2dbf33326d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4670468655.mp3?updated=1669154338" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Being Sued (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Being sued by a credit card company,

The best way to buy new phones,

Moving for a better job and cheaper housing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 24 Nov 2022 21:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Being sued by a credit card company,

The best way to buy new phones,

Moving for a better job and cheaper housing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Being sued by a credit card company,</li>
<li>The best way to buy new phones,</li>
<li>Moving for a better job and cheaper housing.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d848674-677d-11ed-948c-1b47a0a2b2a9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8645380424.mp3?updated=1669154346" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell My Car? (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Dealing with an alcohol problem,

Selling a vehicle,

Manual underwriting when buying a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 24 Nov 2022 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Dealing with an alcohol problem,

Selling a vehicle,

Manual underwriting when buying a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Dealing with an alcohol problem,</li>
<li>Selling a vehicle,</li>
<li>Manual underwriting when buying a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f7bb504-677d-11ed-aaf8-6b590572491b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5137534647.mp3?updated=1669154355" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Get Away From Using Credit Cards (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Moving from credit cards to cash,

Pulling from a Roth IRA to pay off student loans,

Knowing what baby step you're on.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 23 Nov 2022 22:27:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Moving from credit cards to cash,

Pulling from a Roth IRA to pay off student loans,

Knowing what baby step you're on.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Moving from credit cards to cash,</li>
<li>Pulling from a Roth IRA to pay off student loans,</li>
<li>Knowing what baby step you're on.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7cc86e82-677d-11ed-9386-63f6da4ee940]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2374520095.mp3?updated=1669242551" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Paid Off a Ton of Debt… What Do We Do Now? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

What to do after paying off debt,

Investing while paying off student loans,

Should I flip a car?

How to attack $300k in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 23 Nov 2022 21:33:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

What to do after paying off debt,

Investing while paying off student loans,

Should I flip a car?

How to attack $300k in debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>What to do after paying off debt,</li>
<li>Investing while paying off student loans,</li>
<li>Should I flip a car?</li>
<li>How to attack $300k in debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d7267f0-677d-11ed-948c-4f03e153c24d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4360603531.mp3?updated=1669239317" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>3 Reasons Why It’s Still Worth Buying a House in this market (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Abraham's Lincoln's Thanksgiving Proclamation,

What to do when your parents want to pay off your mortgage,

Whether or not it's worth buying a home in the market right now,

Student loan forgiveness update.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 23 Nov 2022 20:56:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Abraham's Lincoln's Thanksgiving Proclamation,

What to do when your parents want to pay off your mortgage,

Whether or not it's worth buying a home in the market right now,

Student loan forgiveness update.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Abraham's Lincoln's Thanksgiving Proclamation,</li>
<li>What to do when your parents want to pay off your mortgage,</li>
<li>Whether or not it's worth buying a home in the market right now,</li>
<li>Student loan forgiveness update.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f6993a6-677d-11ed-aaf8-97d5f8ba1121]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1491813536.mp3?updated=1669237058" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Second Guessing Paying Off the House (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Paying off the house vs. saving the money,

Getting out of a family business,

The myth of a singular "living wage."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 22 Nov 2022 22:28:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Paying off the house vs. saving the money,

Getting out of a family business,

The myth of a singular "living wage."


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Paying off the house vs. saving the money,</li>
<li>Getting out of a family business,</li>
<li>The myth of a singular "living wage."</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7cb643c4-677d-11ed-9386-8b1bd28d4c60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3692479733.mp3?updated=1669156270" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Get Out of Your Mother’s Basement &amp; Get To Work! (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

A marriage disagreement about paying off the house,

The idea of an "emergency credit card",

Applying the baby steps to a business,

DAVE RANT: The declining work ethic,

Investing vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 22 Nov 2022 21:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

A marriage disagreement about paying off the house,

The idea of an "emergency credit card",

Applying the baby steps to a business,

DAVE RANT: The declining work ethic,

Investing vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>A marriage disagreement about paying off the house,</li>
<li>The idea of an "emergency credit card",</li>
<li>Applying the baby steps to a business,</li>
<li>DAVE RANT: The declining work ethic,</li>
<li>Investing vs. paying off the house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d5ffc96-677d-11ed-948c-e3fc15f63d1a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7908463504.mp3?updated=1669153142" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Finally Making Good Money &amp; I’m Worried It Will Change Me (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Pursuing your dream job,

Worrying that making a lot of money will change who you are,

How to pay off business debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 22 Nov 2022 20:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Pursuing your dream job,

Worrying that making a lot of money will change who you are,

How to pay off business debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Pursuing your dream job,</li>
<li>Worrying that making a lot of money will change who you are,</li>
<li>How to pay off business debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f577ed2-677d-11ed-aaf8-f3859c6031e4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7666952625.mp3?updated=1669149200" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Colleges Are Selling Their Kids Out for Sponsorship Deals (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Taking out a personal loan to pay off debt,

Getting traction in baby steps 4-6,

Colleges selling out to sports betting companies,

Pausing the baby steps after a personal loss.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 21 Nov 2022 22:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Taking out a personal loan to pay off debt,

Getting traction in baby steps 4-6,

Colleges selling out to sports betting companies,

Pausing the baby steps after a personal loss.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Taking out a personal loan to pay off debt,</li>
<li>Getting traction in baby steps 4-6,</li>
<li>Colleges selling out to sports betting companies,</li>
<li>Pausing the baby steps after a personal loss.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7ca47d2e-677d-11ed-9386-4b32c87cba10]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1500818222.mp3?updated=1669154387" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is Why Dave Is Against Debt (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Why Dave avoids debt,

Dealing with drama on home repairs,

Negotiating a salary.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 21 Nov 2022 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Why Dave avoids debt,

Dealing with drama on home repairs,

Negotiating a salary.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Why Dave avoids debt,</li>
<li>Dealing with drama on home repairs,</li>
<li>Negotiating a salary.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d4d6fa4-677d-11ed-948c-23c9cbf7e390]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1863645068.mp3?updated=1669154401" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s How You Adjust Your Mindset Around Building Wealth (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Splitting up a family farm, long-term care, and nursing homes,

Psychologically adjusting to making a lot more money,

If and when it makes sense to exceed a mortgage that is more than 25% of take-home pay.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 21 Nov 2022 20:40:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Splitting up a family farm, long-term care, and nursing homes,

Psychologically adjusting to making a lot more money,

If and when it makes sense to exceed a mortgage that is more than 25% of take-home pay.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Splitting up a family farm, long-term care, and nursing homes,</li>
<li>Psychologically adjusting to making a lot more money,</li>
<li>If and when it makes sense to exceed a mortgage that is more than 25% of take-home pay.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f41d7b2-677d-11ed-aaf8-8b51bc690138]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7413949389.mp3?updated=1669154414" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Be Investing Right Now? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

When to stick with a high-deductible health insurance plan for the HSA benefits,

Investing while in college,

Buying a house before paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 18 Nov 2022 22:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

When to stick with a high-deductible health insurance plan for the HSA benefits,

Investing while in college,

Buying a house before paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>When to stick with a high-deductible health insurance plan for the HSA benefits,</li>
<li>Investing while in college,</li>
<li>Buying a house before paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5931f4e2-6206-11ed-b25b-277941c1200b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8236588612.mp3?updated=1669154425" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Relative Keeps Asking Me for Money… What Should I Do? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

What to do when relatives ask for money,

How to be saving for a house,

What to do after paying off your house,

10 in 10 - Ken and George answer 10 questions in 10 minutes from Instagram:

Saving up for college,

Standing out as a freelancer,

What crypto to invest in,

Career advice for those retiring from the military,

Where to start with budgeting,

Tips for getting a raise at the annual review,

Is the HSA part of the 15%?

Starting a second career after retiring,

Advice for newlyweds,

Pumpkin pie vs. pecan pie,

The relevancy of LinkedIn,

What's a good emergency fund amount?

Staying at a job you hate.

Where to tithe if not plugged into a church.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 18 Nov 2022 22:09:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

What to do when relatives ask for money,

How to be saving for a house,

What to do after paying off your house,

10 in 10 - Ken and George answer 10 questions in 10 minutes from Instagram:

Saving up for college,

Standing out as a freelancer,

What crypto to invest in,

Career advice for those retiring from the military,

Where to start with budgeting,

Tips for getting a raise at the annual review,

Is the HSA part of the 15%?

Starting a second career after retiring,

Advice for newlyweds,

Pumpkin pie vs. pecan pie,

The relevancy of LinkedIn,

What's a good emergency fund amount?

Staying at a job you hate.

Where to tithe if not plugged into a church.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>What to do when relatives ask for money,</li>
<li>How to be saving for a house,</li>
<li>What to do after paying off your house,</li>
<li>10 in 10 - Ken and George answer 10 questions in 10 minutes from Instagram:</li>
<li>Saving up for college,</li>
<li>Standing out as a freelancer,</li>
<li>What crypto to invest in,</li>
<li>Career advice for those retiring from the military,</li>
<li>Where to start with budgeting,</li>
<li>Tips for getting a raise at the annual review,</li>
<li>Is the HSA part of the 15%?</li>
<li>Starting a second career after retiring,</li>
<li>Advice for newlyweds,</li>
<li>Pumpkin pie vs. pecan pie,</li>
<li>The relevancy of LinkedIn,</li>
<li>What's a good emergency fund amount?</li>
<li>Staying at a job you hate.</li>
<li>Where to tithe if not plugged into a church.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3245b5f8-6206-11ed-8296-6f2ebc63d6c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2123184667.mp3?updated=1669154438" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Love My Job but Don’t Think I Can Get Promoted (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Looking for a better salary at a job you love,

The best way to trade-in a vehicle,

When you should buy your first home,

Selling a truck to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 18 Nov 2022 20:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Looking for a better salary at a job you love,

The best way to trade-in a vehicle,

When you should buy your first home,

Selling a truck to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Looking for a better salary at a job you love,</li>
<li>The best way to trade-in a vehicle,</li>
<li>When you should buy your first home,</li>
<li>Selling a truck to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0aee963c-6206-11ed-8024-b7eec80459ac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7981443548.mp3?updated=1669154451" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>These Money Habits Will Make You a Millionaire (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze interview 6 millionaires on how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
for more information. Established by Pathward, N.A., Member FDIC.
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
RamseySolutions Privacy Policy</description>
      <pubDate>Thu, 17 Nov 2022 22:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze interview 6 millionaires on how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
for more information. Established by Pathward, N.A., Member FDIC.
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
RamseySolutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze interview 6 millionaires on how they built their wealth.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>for more information. Established by Pathward, N.A., Member FDIC.</p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">RamseySolutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[591d6ebe-6206-11ed-b25b-f35ee87f7b69]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5812760128.mp3?updated=1669154463" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Cash Out Our Whole Life Policy? (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Cashing in a whole-life policy,

What it takes to change your life

Getting rid of student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 17 Nov 2022 21:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Cashing in a whole-life policy,

What it takes to change your life

Getting rid of student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Cashing in a whole-life policy,</li>
<li>What it takes to change your life</li>
<li>Getting rid of student loans.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2596</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3232c006-6206-11ed-8296-6704f1137f5b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8996945508.mp3?updated=1669154475" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Mother-in-Law Is Trying To Do Our Budget for Us! (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Buyer's remorse after buying a car,

Dealing with an interfering mother-in-law,

Why you shouldn't take "rice and beans" too literally,

The demise of FTX and "we told you so" on crypto.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 17 Nov 2022 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Buyer's remorse after buying a car,

Dealing with an interfering mother-in-law,

Why you shouldn't take "rice and beans" too literally,

The demise of FTX and "we told you so" on crypto.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Buyer's remorse after buying a car,</li>
<li>Dealing with an interfering mother-in-law,</li>
<li>Why you shouldn't take "rice and beans" too literally,</li>
<li>The demise of FTX and "we told you so" on crypto.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2596</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0adc6caa-6206-11ed-8024-ebfadd972687]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6665133226.mp3?updated=1669154488" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off the House! (Hour 3)</title>
      <description>Kristina Ellis &amp; George Kamel discuss:

Reducing investments to pay off the house faster,

How to better hit your money goals,

What to do with money from a pay raise,

Why you shouldn't get whole life insurance,

Going to school while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 16 Nov 2022 22:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel discuss:

Reducing investments to pay off the house faster,

How to better hit your money goals,

What to do with money from a pay raise,

Why you shouldn't get whole life insurance,

Going to school while paying off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel discuss:</p><ul>
<li>Reducing investments to pay off the house faster,</li>
<li>How to better hit your money goals,</li>
<li>What to do with money from a pay raise,</li>
<li>Why you shouldn't get whole life insurance,</li>
<li>Going to school while paying off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2595</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[59094b78-6206-11ed-b25b-d3895e9861f8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4527240678.mp3?updated=1669154502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Warren Buffett on Building Wealth &amp; Avoiding Charlatans (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Restructuring your life to get out of debt,

Paying for a debit card that has rewards,

Pausing investing to build a house,

Warren Buffet's crypto prediction and wealth building advice,

Pulling from an IRA to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 16 Nov 2022 22:16:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Restructuring your life to get out of debt,

Paying for a debit card that has rewards,

Pausing investing to build a house,

Warren Buffet's crypto prediction and wealth building advice,

Pulling from an IRA to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Restructuring your life to get out of debt,</li>
<li>Paying for a debit card that has rewards,</li>
<li>Pausing investing to build a house,</li>
<li>Warren Buffet's crypto prediction and wealth building advice,</li>
<li>Pulling from an IRA to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[321f221c-6206-11ed-8296-9b10f56d0dae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1222943812.mp3?updated=1669154516" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Be Saving and Investing Right Now? (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

The latest updates on student loan forgiveness,

How to invest and save money,

Buying a house now vs. waiting,

What to do with an IRA,

Finding scholarships for trade schools.

The value of HSAs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 16 Nov 2022 20:44:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

The latest updates on student loan forgiveness,

How to invest and save money,

Buying a house now vs. waiting,

What to do with an IRA,

Finding scholarships for trade schools.

The value of HSAs.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>The latest updates on student loan forgiveness,</li>
<li>How to invest and save money,</li>
<li>Buying a house now vs. waiting,</li>
<li>What to do with an IRA,</li>
<li>Finding scholarships for trade schools.</li>
<li>The value of HSAs.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2596</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0ac8aeae-6206-11ed-8024-777beb96149e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2115830470.mp3?updated=1669154539" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Try To Improve My Credit Score? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Improving credit after bankruptcy,

Social Security,

Choosing a career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 15 Nov 2022 22:24:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Improving credit after bankruptcy,

Social Security,

Choosing a career.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Improving credit after bankruptcy,</li>
<li>Social Security,</li>
<li>Choosing a career.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2593</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58f2df00-6206-11ed-b25b-ab253126c349]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3456080476.mp3?updated=1669154554" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off the House Now or Wait? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Prioritizing what you do vs. where you live,

Paying off your house now or later,

Going to law school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 15 Nov 2022 21:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Prioritizing what you do vs. where you live,

Paying off your house now or later,

Going to law school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Prioritizing what you do vs. where you live,</li>
<li>Paying off your house now or later,</li>
<li>Going to law school.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2595</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[320bd25c-6206-11ed-8296-2374bc8ee698]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9345055234.mp3?updated=1669154813" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Invest Right Now? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

The best way to invest,

Moving to California,

How to stop using credit cards.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 15 Nov 2022 20:41:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

The best way to invest,

Moving to California,

How to stop using credit cards.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>The best way to invest,</li>
<li>Moving to California,</li>
<li>How to stop using credit cards.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0ab60d26-6206-11ed-8024-57ceb0d77017]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8705792462.mp3?updated=1669154828" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Best Way To Buy a Car (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Losing passion in a career,

Buying a new car,

Selling a business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 14 Nov 2022 22:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Losing passion in a career,

Buying a new car,

Selling a business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Losing passion in a career,</li>
<li>Buying a new car,</li>
<li>Selling a business.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2594</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58da8428-6206-11ed-b25b-57ff696a8b21]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5870287660.mp3?updated=1669154840" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Budget To Be Able To Buy a Home? (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Hiding debt in relationships,

Budgeting to buy a home and start a family,

Managing increased income after a raise.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 14 Nov 2022 21:46:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Hiding debt in relationships,

Budgeting to buy a home and start a family,

Managing increased income after a raise.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Hiding debt in relationships,</li>
<li>Budgeting to buy a home and start a family,</li>
<li>Managing increased income after a raise.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[31f82586-6206-11ed-8296-ebd1a032c181]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7853677678.mp3?updated=1669154895" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Stay Motivated in Our Debt Journey? (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Staying motivated in baby step 2,

Talking to kids about tithing,

Budgeting on a low income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 14 Nov 2022 20:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Staying motivated in baby step 2,

Talking to kids about tithing,

Budgeting on a low income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Staying motivated in baby step 2,</li>
<li>Talking to kids about tithing,</li>
<li>Budgeting on a low income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0aa24dc2-6206-11ed-8024-9f7c2c5d7f09]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5168428957.mp3?updated=1669154910" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have Nothing To Show for All My Hard Work (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Finding purpose in your work,

Changing spending habits when you realize you have nothing to show for your work,

Pulling from a TSP to invest elsewhere,

Quitting a high-paying job to pursue a dream,

Investing in international funds,

Getting family on board with the baby steps.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 11 Nov 2022 22:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Finding purpose in your work,

Changing spending habits when you realize you have nothing to show for your work,

Pulling from a TSP to invest elsewhere,

Quitting a high-paying job to pursue a dream,

Investing in international funds,

Getting family on board with the baby steps.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Finding purpose in your work,</li>
<li>Changing spending habits when you realize you have nothing to show for your work,</li>
<li>Pulling from a TSP to invest elsewhere,</li>
<li>Quitting a high-paying job to pursue a dream,</li>
<li>Investing in international funds,</li>
<li>Getting family on board with the baby steps.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46ded30a-5c5c-11ed-aa87-0f1634b22891]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8549300525.mp3?updated=1669154931" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can You Survive on Less Than $25/Hr? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

What to do with your career,

How much you need in your emergency fund,

What amount of money you need to make to survive,

Rapid Fire questions from Instagram Live.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 11 Nov 2022 21:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

What to do with your career,

How much you need in your emergency fund,

What amount of money you need to make to survive,

Rapid Fire questions from Instagram Live.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>What to do with your career,</li>
<li>How much you need in your emergency fund,</li>
<li>What amount of money you need to make to survive,</li>
<li>Rapid Fire questions from Instagram Live.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d669ddc-5c5c-11ed-9bb0-a36f8b3ee457]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7049552464.mp3?updated=1669154947" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Make Good Money AND Do Work You Love (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Doing work you love AND making good money,

Quitting a job that's paying worker's comp,

When to go to flight school,

When to buy a house and how much house to buy,

Avoiding squandering an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 11 Nov 2022 20:41:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Doing work you love AND making good money,

Quitting a job that's paying worker's comp,

When to go to flight school,

When to buy a house and how much house to buy,

Avoiding squandering an inheritance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Doing work you love AND making good money,</li>
<li>Quitting a job that's paying worker's comp,</li>
<li>When to go to flight school,</li>
<li>When to buy a house and how much house to buy,</li>
<li>Avoiding squandering an inheritance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f4998a90-5c5b-11ed-8b6b-bfefe0babe17]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2108024504.mp3?updated=1669154961" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Moved and I Regret It (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Regretting a cross-country move,

Renting out your house while traveling,

Saving vs. investing increased income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 10 Nov 2022 22:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Regretting a cross-country move,

Renting out your house while traveling,

Saving vs. investing increased income.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Regretting a cross-country move,</li>
<li>Renting out your house while traveling,</li>
<li>Saving vs. investing increased income.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2583</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46b18bc0-5c5c-11ed-aa87-ff9f8848ffcb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7640082796.mp3?updated=1669154978" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get My Spouse on Board? (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Getting a spouse on board financially,

When to buy a house,

Paying off student loans vs. buying a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 10 Nov 2022 21:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Getting a spouse on board financially,

When to buy a house,

Paying off student loans vs. buying a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Getting a spouse on board financially,</li>
<li>When to buy a house,</li>
<li>Paying off student loans vs. buying a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d5033c6-5c5c-11ed-9bb0-db9a4c337ee3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1445470852.mp3?updated=1669154993" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Bought a House… What Now? (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

How much to spend on an engagement ring,

What to do after buying your first house,

Dealing with a pushy father-in-law.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 10 Nov 2022 20:56:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

How much to spend on an engagement ring,

What to do after buying your first house,

Dealing with a pushy father-in-law.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>How much to spend on an engagement ring,</li>
<li>What to do after buying your first house,</li>
<li>Dealing with a pushy father-in-law.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f481457a-5c5b-11ed-8b6b-f3206b58a47e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4514028213.mp3?updated=1669155008" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Sell the House To Pay Off Debt? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Moving on after a job loss,

Selling the house to pay off debt,

Dealing with a debt in collections.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 09 Nov 2022 22:55:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Moving on after a job loss,

Selling the house to pay off debt,

Dealing with a debt in collections.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Moving on after a job loss,</li>
<li>Selling the house to pay off debt,</li>
<li>Dealing with a debt in collections.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46c82484-5c5c-11ed-aa87-4b2a279090af]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9973408223.mp3?updated=1669155023" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Didn’t Get the Raise I Was Promised (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to manage a settlement,

What to do when you didn't get a raise you were promised,

Financially preparing to change careers.


Gazelle – Terms &amp; Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 09 Nov 2022 22:14:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to manage a settlement,

What to do when you didn't get a raise you were promised,

Financially preparing to change careers.


Gazelle – Terms &amp; Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to manage a settlement,</li>
<li>What to do when you didn't get a raise you were promised,</li>
<li>Financially preparing to change careers.</li>
</ul><p><br></p><p>Gazelle – Terms &amp; Conditions Apply. Visit <a href="https://cms.megaphone.fm/organizations/71dc8818-994f-11ea-8f82-9fc97c31f025/podcasts/bb5ccd52-ec15-11ec-ad38-eb38ae020851/episodes/3c56fd12-555a-11ed-9895-fbba93fad2d3/www.ramseysolutions.com/gazelle">www.ramseysolutions.com/gazelle</a> for more information. Established by Pathward, N.A., Member FDIC.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2596</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f469fb68-5c5b-11ed-8b6b-eb249f0c8d40]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2071779753.mp3?updated=1668032296" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Can I Do To Make More Money? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How you can increase your income,

Feeling stuck,

Dealing with the loss of a company car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 09 Nov 2022 22:14:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How you can increase your income,

Feeling stuck,

Dealing with the loss of a company car.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How you can increase your income,</li>
<li>Feeling stuck,</li>
<li>Dealing with the loss of a company car.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d3a6500-5c5c-11ed-9bb0-bb1687b3ec4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4068698944.mp3?updated=1669155039" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Cash Out My Whole Life Policy? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Cashing out a whole life policy.

Preparing for getting fired.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 08 Nov 2022 22:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Cashing out a whole life policy.

Preparing for getting fired.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Cashing out a whole life policy.</li>
<li>Preparing for getting fired.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46995d70-5c5c-11ed-aa87-f35abb863e14]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8872241871.mp3?updated=1669155092" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Baby Step Am I Actually On? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Determining what baby step you are in,

Deciding to become a stay-at-home mom,

Moving to make more money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 08 Nov 2022 22:09:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Determining what baby step you are in,

Deciding to become a stay-at-home mom,

Moving to make more money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Determining what baby step you are in,</li>
<li>Deciding to become a stay-at-home mom,</li>
<li>Moving to make more money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d23514e-5c5c-11ed-9bb0-b723150c9d64]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1106177552.mp3?updated=1669155108" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Married Couples Are Wealthier Than Unmarried Couples (Here’s Why) (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Sole Proprietorship vs. C-corp businesses,

Affording to buy a house in this market,

When your credit score goes to zero after paying off debt,

Why married couples tend to be wealthier than couples who cohabitate

https://www.wsj.com/articles/moving-in-together-doesnt-match-the-financial-benefits-of-marriage-but-why-11667761626


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 08 Nov 2022 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Sole Proprietorship vs. C-corp businesses,

Affording to buy a house in this market,

When your credit score goes to zero after paying off debt,

Why married couples tend to be wealthier than couples who cohabitate

https://www.wsj.com/articles/moving-in-together-doesnt-match-the-financial-benefits-of-marriage-but-why-11667761626


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Sole Proprietorship vs. C-corp businesses,</li>
<li>Affording to buy a house in this market,</li>
<li>When your credit score goes to zero after paying off debt,</li>
<li>Why married couples tend to be wealthier than couples who cohabitate</li>
<li><a href="https://www.wsj.com/articles/moving-in-together-doesnt-match-the-financial-benefits-of-marriage-but-why-11667761626">https://www.wsj.com/articles/moving-in-together-doesnt-match-the-financial-benefits-of-marriage-but-why-11667761626</a></li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f451fdce-5c5b-11ed-8b6b-777bc36205a3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4329763160.mp3?updated=1669155126" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Keeping a Large Inheritance From Fueling an Addiction (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

A previous caller updates on her cancer diagnosis and debt journey,

Timeshare companies losing lawsuits,

Preventing a family member from squandering money after receiving an inheritance,

Looking for a new job,

Paying off debt quickly.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Nov 2022 22:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

A previous caller updates on her cancer diagnosis and debt journey,

Timeshare companies losing lawsuits,

Preventing a family member from squandering money after receiving an inheritance,

Looking for a new job,

Paying off debt quickly.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>A previous caller updates on her cancer diagnosis and debt journey,</li>
<li>Timeshare companies losing lawsuits,</li>
<li>Preventing a family member from squandering money after receiving an inheritance,</li>
<li>Looking for a new job,</li>
<li>Paying off debt quickly.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4681cef8-5c5c-11ed-aa87-0b359bb5fb03]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1668643738.mp3?updated=1669155141" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Work/Life Balance a Myth? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Getting a future spouse on board with the baby steps,

Achieving work/life balance when making a high income,

Focusing on paying off the house,

How to set up retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Nov 2022 21:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Getting a future spouse on board with the baby steps,

Achieving work/life balance when making a high income,

Focusing on paying off the house,

How to set up retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Getting a future spouse on board with the baby steps,</li>
<li>Achieving work/life balance when making a high income,</li>
<li>Focusing on paying off the house,</li>
<li>How to set up retirement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d0cfb10-5c5c-11ed-9bb0-3b95c81ffffe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5526053938.mp3?updated=1669155156" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Took Advice From an Idiot… (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Getting out of two stupid car loans,

Deciding whether or not to pay off the house,

How much you should be investing,

Paying off debt right away or slowly over time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 07 Nov 2022 20:54:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Getting out of two stupid car loans,

Deciding whether or not to pay off the house,

How much you should be investing,

Paying off debt right away or slowly over time.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Getting out of two stupid car loans,</li>
<li>Deciding whether or not to pay off the house,</li>
<li>How much you should be investing,</li>
<li>Paying off debt right away or slowly over time.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f4362fb8-5c5b-11ed-8b6b-df7c41eda37f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5274466436.mp3?updated=1669155174" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Taking Out A Credit In Your Kids Name Is Horrible Advice! (Hour 3)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

How to increase your income to get out of debt,

What you should do with a 401k from a previous employer when switching jobs,

Why you should NEVER take out a credit card in your kids name,

How to get out of inheriting a timeshare,

How to manage finances when taking a pay cut to get your dream job,

Apply the debt free lifestyle to your small business,

How the people you surround yourself with can affect your spending habits.


Gazelle – Terms &amp; Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Nov 2022 21:29:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

How to increase your income to get out of debt,

What you should do with a 401k from a previous employer when switching jobs,

Why you should NEVER take out a credit card in your kids name,

How to get out of inheriting a timeshare,

How to manage finances when taking a pay cut to get your dream job,

Apply the debt free lifestyle to your small business,

How the people you surround yourself with can affect your spending habits.


Gazelle – Terms &amp; Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>How to increase your income to get out of debt,</li>
<li>What you should do with a 401k from a previous employer when switching jobs,</li>
<li>Why you should NEVER take out a credit card in your kids name,</li>
<li>How to get out of inheriting a timeshare,</li>
<li>How to manage finances when taking a pay cut to get your dream job,</li>
<li>Apply the debt free lifestyle to your small business,</li>
<li>How the people you surround yourself with can affect your spending habits.</li>
</ul><p><br></p><p>Gazelle – Terms &amp; Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c6866e0-5565-11ed-a558-b3ce12054cad]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4544628536.mp3?updated=1667597503" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting Rid Of Your Mortgage Will Accelerate The Rest Of You Financial Goals! (Hour 2)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

Why the Debt Snowball is designed to help you succeed with paying off debt quickly,

How paying off your house during retirement gives you even more freedom,

What to do when your lease is up on a vehicle,

How managing your expectations are important when it comes to home buying,

When you can switch from Gazelle Intense savings to intentional investing,

Why paying off your house as soon possible is the best set up for success.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Nov 2022 20:45:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

Why the Debt Snowball is designed to help you succeed with paying off debt quickly,

How paying off your house during retirement gives you even more freedom,

What to do when your lease is up on a vehicle,

How managing your expectations are important when it comes to home buying,

When you can switch from Gazelle Intense savings to intentional investing,

Why paying off your house as soon possible is the best set up for success.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>Why the Debt Snowball is designed to help you succeed with paying off debt quickly,</li>
<li>How paying off your house during retirement gives you even more freedom,</li>
<li>What to do when your lease is up on a vehicle,</li>
<li>How managing your expectations are important when it comes to home buying,</li>
<li>When you can switch from Gazelle Intense savings to intentional investing,</li>
<li>Why paying off your house as soon possible is the best set up for success.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[002e7772-5562-11ed-bfa4-3f24eecb0f4a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3698084914.mp3?updated=1669155237" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Financial Responsibility Doesn't Have To Be Complicated (Hour 1)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

How to decide between using an HSA vs. a FSA during open enrollment,

How to prepare for large medical bills while tackling debt,

How to communicate your financial reality with family during the holidays,

The best way to manage buying and selling homes when moving cross country,

The crippling impact of Buy Now, Pay Later companies,

How to prepare for college and determine if you can make a living wage in a field you love,

Why paying off student loans quickly is the fastest way to get ahead with your finances,

Why you should lever pull from retirement savings to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 04 Nov 2022 19:45:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

How to decide between using an HSA vs. a FSA during open enrollment,

How to prepare for large medical bills while tackling debt,

How to communicate your financial reality with family during the holidays,

The best way to manage buying and selling homes when moving cross country,

The crippling impact of Buy Now, Pay Later companies,

How to prepare for college and determine if you can make a living wage in a field you love,

Why paying off student loans quickly is the fastest way to get ahead with your finances,

Why you should lever pull from retirement savings to pay off debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>How to decide between using an HSA vs. a FSA during open enrollment,</li>
<li>How to prepare for large medical bills while tackling debt,</li>
<li>How to communicate your financial reality with family during the holidays,</li>
<li>The best way to manage buying and selling homes when moving cross country,</li>
<li>The crippling impact of Buy Now, Pay Later companies,</li>
<li>How to prepare for college and determine if you can make a living wage in a field you love,</li>
<li>Why paying off student loans quickly is the fastest way to get ahead with your finances,</li>
<li>Why you should lever pull from retirement savings to pay off debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1bedc5cc-5561-11ed-9e75-33c4b8ed2871]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4926724334.mp3?updated=1669155267" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should We Spend on a House? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

How much to spend on a home,

Buying out a lease,

How much emergency fund you need for rental properties.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Nov 2022 21:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

How much to spend on a home,

Buying out a lease,

How much emergency fund you need for rental properties.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>How much to spend on a home,</li>
<li>Buying out a lease,</li>
<li>How much emergency fund you need for rental properties.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2131</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c5560ae-5565-11ed-a558-c3908cc7e307]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8448944941.mp3?updated=1669155285" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Refuses To Work as a Team With Me (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

When a spouse refuses to work with you on money,

Taking a hardship withdraw from retirement,

Getting ahead on a small business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Nov 2022 20:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

When a spouse refuses to work with you on money,

Taking a hardship withdraw from retirement,

Getting ahead on a small business.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>When a spouse refuses to work with you on money,</li>
<li>Taking a hardship withdraw from retirement,</li>
<li>Getting ahead on a small business.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[0018123e-5562-11ed-bfa4-3b882be014b0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1946116239.mp3?updated=1669155344" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Just Described a Sugar Daddy… (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Why you shouldn't finance a car (especially for your girlfriend),

How to set up retirement accounts,

What to do with (a lot of) extra money,

Why international funds are part of the investing strategy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 03 Nov 2022 19:48:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Why you shouldn't finance a car (especially for your girlfriend),

How to set up retirement accounts,

What to do with (a lot of) extra money,

Why international funds are part of the investing strategy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Why you shouldn't finance a car (especially for your girlfriend),</li>
<li>How to set up retirement accounts,</li>
<li>What to do with (a lot of) extra money,</li>
<li>Why international funds are part of the investing strategy.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1bd818b2-5561-11ed-9e75-8388cf9c902d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6888156839.mp3?updated=1669155373" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re Underwater on Our Truck (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Selling (half) a house,

What to do when you're underwater on a vehicle,

Using funds from mutual funds that were gifted.

Saving up for a house vs. investing in retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Nov 2022 21:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Selling (half) a house,

What to do when you're underwater on a vehicle,

Using funds from mutual funds that were gifted.

Saving up for a house vs. investing in retirement.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Selling (half) a house,</li>
<li>What to do when you're underwater on a vehicle,</li>
<li>Using funds from mutual funds that were gifted.</li>
<li>Saving up for a house vs. investing in retirement.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c433550-5565-11ed-a558-17bb465d4067]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4902484411.mp3?updated=1669155407" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off Our House? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Paying off a house with savings,

...or with retirement,

Helping a child,

Buying a house from parents,

Taking a new job with a 401(k) loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Nov 2022 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Paying off a house with savings,

...or with retirement,

Helping a child,

Buying a house from parents,

Taking a new job with a 401(k) loan.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Paying off a house with savings,</li>
<li>...or with retirement,</li>
<li>Helping a child,</li>
<li>Buying a house from parents,</li>
<li>Taking a new job with a 401(k) loan.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0001b066-5562-11ed-bfa4-771797d79910]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8049742461.mp3?updated=1669155438" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Convince My Wife We Need To Pay Off Our Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Convincing a spouse to pay off debt,

Selling a house,

Negotiating salary,

Living with parents until you're debt-free.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 02 Nov 2022 20:16:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Convincing a spouse to pay off debt,

Selling a house,

Negotiating salary,

Living with parents until you're debt-free.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Convincing a spouse to pay off debt,</li>
<li>Selling a house,</li>
<li>Negotiating salary,</li>
<li>Living with parents until you're debt-free.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1bc2d6e6-5561-11ed-9e75-9bc7018f5dfc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8810205976.mp3?updated=1669155470" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Cashing Out Investments To Pay Off Debt (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Using mutual funds to pay off student loans,

How company stocks are taxed,

Renting post-high school,

Paying on a parent-plus loan,

Baby step 3B when building a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Nov 2022 21:26:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Using mutual funds to pay off student loans,

How company stocks are taxed,

Renting post-high school,

Paying on a parent-plus loan,

Baby step 3B when building a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Using mutual funds to pay off student loans,</li>
<li>How company stocks are taxed,</li>
<li>Renting post-high school,</li>
<li>Paying on a parent-plus loan,</li>
<li>Baby step 3B when building a house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c2f932e-5565-11ed-a558-6f313847da1b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2402503619.mp3?updated=1669156477" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Paying Off Debt vs. Investing (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Budgeting after moving out,

Helping a family member who doesn't have life insurance,

Paying off debt vs. investing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Nov 2022 20:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Budgeting after moving out,

Helping a family member who doesn't have life insurance,

Paying off debt vs. investing.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Budgeting after moving out,</li>
<li>Helping a family member who doesn't have life insurance,</li>
<li>Paying off debt vs. investing.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ffeaf204-5561-11ed-bfa4-bf42ec8e5b62]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9367976841.mp3?updated=1669156493" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Stay Gazelle Intense After Paying Off Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Buying company stock,

Staying gazelle intense in baby steps 4-6.

Inheriting a million dollars,

Renting vs. buying.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 01 Nov 2022 19:52:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Buying company stock,

Staying gazelle intense in baby steps 4-6.

Inheriting a million dollars,

Renting vs. buying.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Buying company stock,</li>
<li>Staying gazelle intense in baby steps 4-6.</li>
<li>Inheriting a million dollars,</li>
<li>Renting vs. buying.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1badf938-5561-11ed-9e75-9ffcdeeec0bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5207479062.mp3?updated=1669156507" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here Are a Few Different Ways To Sell Your House (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

The logistics of selling a house,

What to do with an annuity,

Pausing baby step 2 to set up a "strike fund",

Pre-planned funeral arrangements.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Oct 2022 21:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

The logistics of selling a house,

What to do with an annuity,

Pausing baby step 2 to set up a "strike fund",

Pre-planned funeral arrangements.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>The logistics of selling a house,</li>
<li>What to do with an annuity,</li>
<li>Pausing baby step 2 to set up a "strike fund",</li>
<li>Pre-planned funeral arrangements.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c1d24b4-5565-11ed-a558-cbd3c939e3aa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3961092808.mp3?updated=1669156522" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are We Becoming a Cashless Society? (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with a gambling addict father,

Rumors of the US going to a fully cashless society,

Not being on the same page as your spouse (about the thermostat).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Oct 2022 20:47:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with a gambling addict father,

Rumors of the US going to a fully cashless society,

Not being on the same page as your spouse (about the thermostat).


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Dealing with a gambling addict father,</li>
<li>Rumors of the US going to a fully cashless society,</li>
<li>Not being on the same page as your spouse (about the thermostat).</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ffd455a8-5561-11ed-bfa4-4b3739dd80cc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6030525847.mp3?updated=1669156536" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pay Off the House? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Pulling from a retirement account to pay off a house,

Investing for the long term,

Replacing a vehicle,

Rolling over a pension into a 401(k),

How to use a $140k bonus,

How the fed keeps screwing up the economy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 31 Oct 2022 19:42:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Pulling from a retirement account to pay off a house,

Investing for the long term,

Replacing a vehicle,

Rolling over a pension into a 401(k),

How to use a $140k bonus,

How the fed keeps screwing up the economy.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Pulling from a retirement account to pay off a house,</li>
<li>Investing for the long term,</li>
<li>Replacing a vehicle,</li>
<li>Rolling over a pension into a 401(k),</li>
<li>How to use a $140k bonus,</li>
<li>How the fed keeps screwing up the economy.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1b986564-5561-11ed-9e75-83fc84038767]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6861370614.mp3?updated=1669156551" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Refuses To Sell His “Fun” Car so We Can Buy a House (Hour 3)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

A husband who refuses to sell his "fun" car to help buy a new house,

What to do with extra savings,

Combining finances after marriage,

What to do with a car,

Arguing with a spouse about paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Oct 2022 21:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

A husband who refuses to sell his "fun" car to help buy a new house,

What to do with extra savings,

Combining finances after marriage,

What to do with a car,

Arguing with a spouse about paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>A husband who refuses to sell his "fun" car to help buy a new house,</li>
<li>What to do with extra savings,</li>
<li>Combining finances after marriage,</li>
<li>What to do with a car,</li>
<li>Arguing with a spouse about paying off the house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0f09374-4efb-11ed-89a1-cb3e813f8711]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8093741674.mp3?updated=1669156567" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Fiancé and I Broke Up Over Money (Hour 2)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

Where to put savings for an elderly parent's nursing home expenses,

Restaurant inflation fees,

Breaking up with a fiancé over money disagreements,

How to be a good manager to employees.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Oct 2022 20:42:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

Where to put savings for an elderly parent's nursing home expenses,

Restaurant inflation fees,

Breaking up with a fiancé over money disagreements,

How to be a good manager to employees.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>Where to put savings for an elderly parent's nursing home expenses,</li>
<li>Restaurant inflation fees,</li>
<li>Breaking up with a fiancé over money disagreements,</li>
<li>How to be a good manager to employees.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ecb4945a-4efa-11ed-b503-e30f4eb955c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2098940028.mp3?updated=1669156581" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Crypto Ads Haven't Aged Well (Hour 1)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

Paying off a new spouse's student loan debt,

A Crypto.com commercial that hasn't aged well,

Buying vs. renting when you first get married,

The order of paying off a house vs. car,

Selling a company.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 28 Oct 2022 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

Paying off a new spouse's student loan debt,

A Crypto.com commercial that hasn't aged well,

Buying vs. renting when you first get married,

The order of paying off a house vs. car,

Selling a company.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>Paying off a new spouse's student loan debt,</li>
<li>A Crypto.com commercial that hasn't aged well,</li>
<li>Buying vs. renting when you first get married,</li>
<li>The order of paying off a house vs. car,</li>
<li>Selling a company.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b14358d4-4ef5-11ed-af47-0b95a10b49a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8880615684.mp3?updated=1669156596" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave Ramsey Surprisingly Agrees With Sen. Bernie Sanders?! (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

The Fed's interest rate hike - one of the few things Dave Ramsey and Sen. Bernie Sanders surprisingly agree on,

How to sell a property that was inherited without a will,

What to do with your finances when your job is being eliminated,

Why diligently sticking to budget is crucial to getting out of debt and providing you with freedom,

How big your emergency fund should be when trying to buy a house,

Why you shouldn't take out a personal loan to pay off your debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Oct 2022 21:23:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

The Fed's interest rate hike - one of the few things Dave Ramsey and Sen. Bernie Sanders surprisingly agree on,

How to sell a property that was inherited without a will,

What to do with your finances when your job is being eliminated,

Why diligently sticking to budget is crucial to getting out of debt and providing you with freedom,

How big your emergency fund should be when trying to buy a house,

Why you shouldn't take out a personal loan to pay off your debt.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>The Fed's interest rate hike - one of the few things Dave Ramsey and Sen. Bernie Sanders surprisingly agree on,</li>
<li>How to sell a property that was inherited without a will,</li>
<li>What to do with your finances when your job is being eliminated,</li>
<li>Why diligently sticking to budget is crucial to getting out of debt and providing you with freedom,</li>
<li>How big your emergency fund should be when trying to buy a house,</li>
<li>Why you shouldn't take out a personal loan to pay off your debt.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0dd8f72-4efb-11ed-89a1-070d27985dd8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7132138023.mp3?updated=1669156611" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Know When It's Time To Look For A New Job (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

What to do when your co-workers don't have your same work ethic,

How to leverage your relationship capitol to get to your dream job,

Why it's ok to pause the Baby Steps when navigating big life events,

How not taking "no" for an answer can be key to getting out of debt,

How to write an honest, but professional, resignation letter,

How to know when it's time to sell a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Oct 2022 20:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

What to do when your co-workers don't have your same work ethic,

How to leverage your relationship capitol to get to your dream job,

Why it's ok to pause the Baby Steps when navigating big life events,

How not taking "no" for an answer can be key to getting out of debt,

How to write an honest, but professional, resignation letter,

How to know when it's time to sell a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>What to do when your co-workers don't have your same work ethic,</li>
<li>How to leverage your relationship capitol to get to your dream job,</li>
<li>Why it's ok to pause the Baby Steps when navigating big life events,</li>
<li>How not taking "no" for an answer can be key to getting out of debt,</li>
<li>How to write an honest, but professional, resignation letter,</li>
<li>How to know when it's time to sell a rental property.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eca13e64-4efa-11ed-b503-d75e7394d697]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9958480615.mp3?updated=1669156627" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Something Has To Change Or Else You'll Stay Like Everyone Else Forever (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to manage retirement savings with a 403(b),

Best way to set up student loans in your debt snowball,

How to find margin in your budget for childcare,

Living minimally to have the maximum impact on your debt,

Dave's results to Ken's "Get Clear Assessment" and why this assessment is so accurate and impactful.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 27 Oct 2022 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to manage retirement savings with a 403(b),

Best way to set up student loans in your debt snowball,

How to find margin in your budget for childcare,

Living minimally to have the maximum impact on your debt,

Dave's results to Ken's "Get Clear Assessment" and why this assessment is so accurate and impactful.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to manage retirement savings with a 403(b),</li>
<li>Best way to set up student loans in your debt snowball,</li>
<li>How to find margin in your budget for childcare,</li>
<li>Living minimally to have the maximum impact on your debt,</li>
<li>Dave's results to Ken's "Get Clear Assessment" and why this assessment is so accurate and impactful.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b127f33c-4ef5-11ed-af47-573341c09320]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1244427109.mp3?updated=1669156641" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Am I the Exception to Your Credit Card Rule? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why you're not the exception to the credit card rule,

Dealing with a toxic parent plus loan situation,

Why Dave hates I Bonds (despite the hype),

How much to save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Oct 2022 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why you're not the exception to the credit card rule,

Dealing with a toxic parent plus loan situation,

Why Dave hates I Bonds (despite the hype),

How much to save for college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why you're not the exception to the credit card rule,</li>
<li>Dealing with a toxic parent plus loan situation,</li>
<li>Why Dave hates I Bonds (despite the hype),</li>
<li>How much to save for college.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0ca2a04-4efb-11ed-89a1-afc79eb58c88]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4697200623.mp3?updated=1669156657" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Millionaires Delay Pleasure for a Greater Gain (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis interview five millionaires to find out how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Oct 2022 20:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis interview five millionaires to find out how they built their wealth.

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis interview five millionaires to find out how they built their wealth.</p><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec8d3cb6-4efa-11ed-b503-9f1e5997eb08]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4352047107.mp3?updated=1669156672" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Use Our Emergency Fund To Pay Off Our House? (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Handling taxes on giving a large financial gift,

Using the emergency fund to pay off the house,

Doing emergency appliance repairs in baby step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 26 Oct 2022 20:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Handling taxes on giving a large financial gift,

Using the emergency fund to pay off the house,

Doing emergency appliance repairs in baby step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Handling taxes on giving a large financial gift,</li>
<li>Using the emergency fund to pay off the house,</li>
<li>Doing emergency appliance repairs in baby step 2.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b10c89bc-4ef5-11ed-af47-a330f353b7f7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8031715168.mp3?updated=1669156688" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Half a Million in Debt and Terrified (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Digging out of $500k of debt,

529 plans,

Borrowing from a 401(k) to pay off credit cards,

Trying to cut losses after losing money on investments.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Oct 2022 21:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Digging out of $500k of debt,

529 plans,

Borrowing from a 401(k) to pay off credit cards,

Trying to cut losses after losing money on investments.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Digging out of $500k of debt,</li>
<li>529 plans,</li>
<li>Borrowing from a 401(k) to pay off credit cards,</li>
<li>Trying to cut losses after losing money on investments.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0b685bc-4efb-11ed-89a1-efa25fbe0aa6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3675600728.mp3?updated=1669156704" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Parents Are Asking Us To Give Them $55k (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Upgrading a house vs. paying down the mortgage,

How to handle asking parents for money,

Unreasonable Hospitality with restaurateur &amp; author, Will Guidara


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Oct 2022 21:29:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Upgrading a house vs. paying down the mortgage,

How to handle asking parents for money,

Unreasonable Hospitality with restaurateur &amp; author, Will Guidara


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Upgrading a house vs. paying down the mortgage,</li>
<li>How to handle asking parents for money,</li>
<li>Unreasonable Hospitality with restaurateur &amp; author, Will Guidara</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec78dac8-4efa-11ed-b503-2ff052a2fab8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9966791617.mp3?updated=1669156719" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Still Freaked Out by the Real Estate Market (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Being freaked out by the housing market,

How to figure out what baby step you're on,

Paying off student loans with retirement funds,

Student loan forgiveness updates.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 25 Oct 2022 19:50:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Being freaked out by the housing market,

How to figure out what baby step you're on,

Paying off student loans with retirement funds,

Student loan forgiveness updates.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Being freaked out by the housing market,</li>
<li>How to figure out what baby step you're on,</li>
<li>Paying off student loans with retirement funds,</li>
<li>Student loan forgiveness updates.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0f0fe5e-4ef5-11ed-af47-d7202556cd6e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3949047378.mp3?updated=1669156736" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Let’s Talk About the Housing Market (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

The current state of the housing market,

Feeling like you can't get ahead on paying down debt,

Counting stock options toward retirement,

Dealing with messy family money drama,

Budgeting on a bi-weekly paycheck,

Buying a house with a roommate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Oct 2022 21:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

The current state of the housing market,

Feeling like you can't get ahead on paying down debt,

Counting stock options toward retirement,

Dealing with messy family money drama,

Budgeting on a bi-weekly paycheck,

Buying a house with a roommate.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>The current state of the housing market,</li>
<li>Feeling like you can't get ahead on paying down debt,</li>
<li>Counting stock options toward retirement,</li>
<li>Dealing with messy family money drama,</li>
<li>Budgeting on a bi-weekly paycheck,</li>
<li>Buying a house with a roommate.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0a289ae-4efb-11ed-89a1-b3272711996a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1571606338.mp3?updated=1669156753" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Make Stupid Decisions When You’re Desperate (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Taking a better-paying job after you just got hired,

Borrowing money for a house downpayment,

Life insurance options,

Liquidating investments to buy into crypto,

How to quit rationalizing foolish spending.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Oct 2022 20:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Taking a better-paying job after you just got hired,

Borrowing money for a house downpayment,

Life insurance options,

Liquidating investments to buy into crypto,

How to quit rationalizing foolish spending.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Taking a better-paying job after you just got hired,</li>
<li>Borrowing money for a house downpayment,</li>
<li>Life insurance options,</li>
<li>Liquidating investments to buy into crypto,</li>
<li>How to quit rationalizing foolish spending.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec62bf86-4efa-11ed-b503-63715056b733]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7836559481.mp3?updated=1669156770" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do I Have Enough To Retire On? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Knowing when you have enough to retire on,

How to divvy up life insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 24 Oct 2022 20:03:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Knowing when you have enough to retire on,

How to divvy up life insurance.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Knowing when you have enough to retire on,</li>
<li>How to divvy up life insurance.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b0d58048-4ef5-11ed-af47-5b51abecf98b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8733337803.mp3?updated=1669156787" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Best Way To Use Extra Income (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

What to do with extra income,

Buying a house vs. renting,

Being sued by a debt collector,

Paying off a house or investing,

Dealing with a stolen identity,

Drawing boundaries when paying for family's bills.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Oct 2022 21:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

What to do with extra income,

Buying a house vs. renting,

Being sued by a debt collector,

Paying off a house or investing,

Dealing with a stolen identity,

Drawing boundaries when paying for family's bills.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>What to do with extra income,</li>
<li>Buying a house vs. renting,</li>
<li>Being sued by a debt collector,</li>
<li>Paying off a house or investing,</li>
<li>Dealing with a stolen identity,</li>
<li>Drawing boundaries when paying for family's bills.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2583</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[67288e7e-467e-11ed-98de-3f48829ca299]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7147390938.mp3?updated=1666388012" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Upside Down on My Car (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Should I buy a newer vehicle?

Being upside down on a vehicle,

Including bonds in a portfolio,

Buying a home when planning on moving in the near future,

Switching to a job that pays less,

Renting a house vs. selling it.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Oct 2022 20:52:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Should I buy a newer vehicle?

Being upside down on a vehicle,

Including bonds in a portfolio,

Buying a home when planning on moving in the near future,

Switching to a job that pays less,

Renting a house vs. selling it.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Should I buy a newer vehicle?</li>
<li>Being upside down on a vehicle,</li>
<li>Including bonds in a portfolio,</li>
<li>Buying a home when planning on moving in the near future,</li>
<li>Switching to a job that pays less,</li>
<li>Renting a house vs. selling it.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a685cf60-467d-11ed-a051-77edc3a3c4ea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5683161559.mp3?updated=1666385705" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Invest or Save Up for a House? (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Helping the kids of a recently deceased relative,

The best way to invest,

Saving for a house vs. investing,

Being the victim of a scam,

Balancing family time with side hustles,

Affording a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 21 Oct 2022 20:45:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Helping the kids of a recently deceased relative,

The best way to invest,

Saving for a house vs. investing,

Being the victim of a scam,

Balancing family time with side hustles,

Affording a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Helping the kids of a recently deceased relative,</li>
<li>The best way to invest,</li>
<li>Saving for a house vs. investing,</li>
<li>Being the victim of a scam,</li>
<li>Balancing family time with side hustles,</li>
<li>Affording a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[30323d76-467d-11ed-afa1-2366bea2c9fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7388412859.mp3?updated=1666385157" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The True Cost of Kids Travel Sports (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Helping stepchildren,

Why you need a will,

The financial and relational cost of kids travel sports,

Selling property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Oct 2022 22:09:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Helping stepchildren,

Why you need a will,

The financial and relational cost of kids travel sports,

Selling property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Helping stepchildren,</li>
<li>Why you need a will,</li>
<li>The financial and relational cost of kids travel sports,</li>
<li>Selling property.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[670fc628-467e-11ed-98de-e363acb08b72]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8807727606.mp3?updated=1666302152" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Borrow From Your Future To Keep You Afloat Today (Hour 2)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Planning for home upgrades,

Pausing investing to pay off the house,

Coming to grips with an emotional purchase,

Pulling from a 401(k) to pay off a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Oct 2022 20:41:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Planning for home upgrades,

Pausing investing to pay off the house,

Coming to grips with an emotional purchase,

Pulling from a 401(k) to pay off a home.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Planning for home upgrades,</li>
<li>Pausing investing to pay off the house,</li>
<li>Coming to grips with an emotional purchase,</li>
<li>Pulling from a 401(k) to pay off a home.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a66eaa7e-467d-11ed-a051-6352fce5d371]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6222832335.mp3?updated=1666298505" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Credit Karma Is Being Sued by the FTC (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Helping a homeless friend without enabling,

Credit Karma's shady marketing that is getting them sued by the FTC,

What to do with money in savings,

Confronting a spouse about financial infidelity,

Dealing with a financial advisor who embezzled money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 20 Oct 2022 19:39:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Helping a homeless friend without enabling,

Credit Karma's shady marketing that is getting them sued by the FTC,

What to do with money in savings,

Confronting a spouse about financial infidelity,

Dealing with a financial advisor who embezzled money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Helping a homeless friend without enabling,</li>
<li>Credit Karma's shady marketing that is getting them sued by the FTC,</li>
<li>What to do with money in savings,</li>
<li>Confronting a spouse about financial infidelity,</li>
<li>Dealing with a financial advisor who embezzled money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2583</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[301fdc76-467d-11ed-afa1-03b6de56edad]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1825352225.mp3?updated=1666294881" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Son Is a Grown Man… Quit Paying His Bills! (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss: 

Giving a wedding gift that's a long-term investment,

Whether or not businesses should tithe,

Replaces a septic system,

Growing a business,

Saving for a home,

Paying off student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Oct 2022 21:50:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss: 

Giving a wedding gift that's a long-term investment,

Whether or not businesses should tithe,

Replaces a septic system,

Growing a business,

Saving for a home,

Paying off student loans.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss: </p><ul>
<li>Giving a wedding gift that's a long-term investment,</li>
<li>Whether or not businesses should tithe,</li>
<li>Replaces a septic system,</li>
<li>Growing a business,</li>
<li>Saving for a home,</li>
<li>Paying off student loans.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[66f5df38-467e-11ed-98de-ab948093cff1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3838538200.mp3?updated=1666215210" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $100K in Debt at 76 Years Old (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss: 

Paying for college or buying a new car,

Paying off a large amount of debt later in life,

Selling off a house to pay off debt,

Living as a digital nomad.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Oct 2022 21:05:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss: 

Paying for college or buying a new car,

Paying off a large amount of debt later in life,

Selling off a house to pay off debt,

Living as a digital nomad.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss: </p><ul>
<li>Paying for college or buying a new car,</li>
<li>Paying off a large amount of debt later in life,</li>
<li>Selling off a house to pay off debt,</li>
<li>Living as a digital nomad.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a656b19e-467d-11ed-a051-975119035dff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6701844876.mp3?updated=1666212535" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Credit Card Marketing is Insidious (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Settling with a credit card company,

Why credit card marketing is so insidious,

Should I pay off a "same as cash" debt before Baby Step 1?

How to best utilize an HSA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 19 Oct 2022 20:36:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Settling with a credit card company,

Why credit card marketing is so insidious,

Should I pay off a "same as cash" debt before Baby Step 1?

How to best utilize an HSA.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Settling with a credit card company,</li>
<li>Why credit card marketing is so insidious,</li>
<li>Should I pay off a "same as cash" debt before Baby Step 1?</li>
<li>How to best utilize an HSA.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[300d7072-467d-11ed-afa1-53502f459b26]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3992447074.mp3?updated=1666211615" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Really Pay Off the House? (Hour 3)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Paying off the house vs. investing,

Pausing the baby steps for a career change,

or while a spouse is out of work,

How many savings accounts you should have,

Dropping out of college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Oct 2022 21:28:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Paying off the house vs. investing,

Pausing the baby steps for a career change,

or while a spouse is out of work,

How many savings accounts you should have,

Dropping out of college.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Paying off the house vs. investing,</li>
<li>Pausing the baby steps for a career change,</li>
<li>or while a spouse is out of work,</li>
<li>How many savings accounts you should have,</li>
<li>Dropping out of college.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[66dce168-467e-11ed-98de-5b92b5193944]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9124694535.mp3?updated=1666128456" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Fear &amp; Doubt Hold You Back (Hour 2)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Choosing a career in your 30s,

Why you can't let fear and doubt hold you back,

How to get out of a car lease,

Taking a lump sum to resign from a job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Oct 2022 21:16:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Choosing a career in your 30s,

Why you can't let fear and doubt hold you back,

How to get out of a car lease,

Taking a lump sum to resign from a job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Choosing a career in your 30s,</li>
<li>Why you can't let fear and doubt hold you back,</li>
<li>How to get out of a car lease,</li>
<li>Taking a lump sum to resign from a job.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a63eff7c-467d-11ed-a051-bb7db98b676b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7010738325.mp3?updated=1666127957" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Belief Doesn’t Override Math (Hour 1)</title>
      <description>Dr. John Delony &amp; Ken Coleman discuss:

Working hard vs. being truly successful,

When it's time to go full-time with your side hustle,

Avoiding bankruptcy,

Saving up for a downpayment,

Why cash-out refinancing is a terrible option.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 18 Oct 2022 19:54:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Ken Coleman discuss:

Working hard vs. being truly successful,

When it's time to go full-time with your side hustle,

Avoiding bankruptcy,

Saving up for a downpayment,

Why cash-out refinancing is a terrible option.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Ken Coleman discuss:</p><ul>
<li>Working hard vs. being truly successful,</li>
<li>When it's time to go full-time with your side hustle,</li>
<li>Avoiding bankruptcy,</li>
<li>Saving up for a downpayment,</li>
<li>Why cash-out refinancing is a terrible option.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2620</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2ffa5262-467d-11ed-afa1-cf551befde83]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6020646874.mp3?updated=1666122875" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Increase My Income? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

How a single mom can increase her income,

Paying yourself out of your business,

Paying for long term care insurance,

Dealing with a potential IRS scam,

When you can afford to stop working the night shift.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Oct 2022 21:30:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

How a single mom can increase her income,

Paying yourself out of your business,

Paying for long term care insurance,

Dealing with a potential IRS scam,

When you can afford to stop working the night shift.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>How a single mom can increase her income,</li>
<li>Paying yourself out of your business,</li>
<li>Paying for long term care insurance,</li>
<li>Dealing with a potential IRS scam,</li>
<li>When you can afford to stop working the night shift.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[66c415e8-467e-11ed-98de-f7a8a5ddaf02]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7450119361.mp3?updated=1666042342" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Afford To Buy or Should I Rent Forever? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

How to afford a house in San Diego,

Buying a new car vs. used car in the current market,

How much money to put toward debt,

The best ways to save for your child's future education,

How today's colleges might not be worth the money,

Prioritizing debts and upcoming expenses when getting Gazelle intense,

How much you should plan to spend on a purchasing a vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Oct 2022 20:59:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

How to afford a house in San Diego,

Buying a new car vs. used car in the current market,

How much money to put toward debt,

The best ways to save for your child's future education,

How today's colleges might not be worth the money,

Prioritizing debts and upcoming expenses when getting Gazelle intense,

How much you should plan to spend on a purchasing a vehicle.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>How to afford a house in San Diego,</li>
<li>Buying a new car vs. used car in the current market,</li>
<li>How much money to put toward debt,</li>
<li>The best ways to save for your child's future education,</li>
<li>How today's colleges might not be worth the money,</li>
<li>Prioritizing debts and upcoming expenses when getting Gazelle intense,</li>
<li>How much you should plan to spend on a purchasing a vehicle.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a6272744-467d-11ed-a051-a73f8d91b316]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8183795273.mp3?updated=1666040358" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Fix the Car or Sell It? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Affording a house (in Finland),

Selling vs. fixing and keeping a broken vehicle,

Building a house with a contractor.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 17 Oct 2022 20:46:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Affording a house (in Finland),

Selling vs. fixing and keeping a broken vehicle,

Building a house with a contractor.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Affording a house (in Finland),</li>
<li>Selling vs. fixing and keeping a broken vehicle,</li>
<li>Building a house with a contractor.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2fe68be2-467d-11ed-afa1-9ba7e956d0e5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7790650197.mp3?updated=1666039714" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How NOT To Use Your Student Loan Refund! (Hour 3)</title>
      <description>Kristina Ellis &amp; George Kamel discuss:

What to do with savings when your student loans were forgiven,

How to get strategic with your budget so you can your house off early,

How to use 529's to save for your children's future,

Why company shares don't count towards your 15% of retirement savings,

How to help disabled family members be financially prepared for the future,

Why you shouldn't use the student loan refund to finance your real estate dreams.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Oct 2022 21:31:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel discuss:

What to do with savings when your student loans were forgiven,

How to get strategic with your budget so you can your house off early,

How to use 529's to save for your children's future,

Why company shares don't count towards your 15% of retirement savings,

How to help disabled family members be financially prepared for the future,

Why you shouldn't use the student loan refund to finance your real estate dreams.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel discuss:</p><ul>
<li>What to do with savings when your student loans were forgiven,</li>
<li>How to get strategic with your budget so you can your house off early,</li>
<li>How to use 529's to save for your children's future,</li>
<li>Why company shares don't count towards your 15% of retirement savings,</li>
<li>How to help disabled family members be financially prepared for the future,</li>
<li>Why you shouldn't use the student loan refund to finance your real estate dreams.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c120dd20-467c-11ed-8fcd-43e7c295d472]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3937615493.mp3?updated=1665783308" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Timeshares Steal From Your Legacy! (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Which retirement options are most beneficial,

How to recover financially after a divorce,

Why a lease is the most expensive way to operate a vehicle,

How to figure out when to close a failing business,

How to turn down the gift of a timeshare,

How to start budgeting when getting your first high paying job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Oct 2022 20:59:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Which retirement options are most beneficial,

How to recover financially after a divorce,

Why a lease is the most expensive way to operate a vehicle,

How to figure out when to close a failing business,

How to turn down the gift of a timeshare,

How to start budgeting when getting your first high paying job.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Which retirement options are most beneficial,</li>
<li>How to recover financially after a divorce,</li>
<li>Why a lease is the most expensive way to operate a vehicle,</li>
<li>How to figure out when to close a failing business,</li>
<li>How to turn down the gift of a timeshare,</li>
<li>How to start budgeting when getting your first high paying job.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[59549902-467c-11ed-b173-8330942fe1a7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8655661656.mp3?updated=1665781123" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Fell Off The Wagon And Went Back Into Debt! (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

How to utilize early retirement payments,

How to get back on the Baby Steps when you fall off the wagon,

What you should watch out for when taking over the family business,

Introducing high school students to Ramsey principles.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 14 Oct 2022 19:43:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

How to utilize early retirement payments,

How to get back on the Baby Steps when you fall off the wagon,

What you should watch out for when taking over the family business,

Introducing high school students to Ramsey principles.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>How to utilize early retirement payments,</li>
<li>How to get back on the Baby Steps when you fall off the wagon,</li>
<li>What you should watch out for when taking over the family business,</li>
<li>Introducing high school students to Ramsey principles.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2590</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[99281190-467b-11ed-b412-2f602439ad3a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1091807022.mp3?updated=1665776709" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There Are No Shortcuts To Financial Freedom (Hour 3)</title>
      <description>John Delony &amp; George Kamel discuss:

The uncomfortable mindset shift needed to become debt free,

How to handle vacations that you agreed to before starting the Baby Steps,

Why the return on investment on solar panels is so difficult,

How to determine if a job offer is a right for your family,

What to do when you don't feel supported by friends and family during your debt free journey,

Why cashing out retirement savings to pay off debt is a horrible plan,

How to challenge yourself to decrease your debt payoff timeline.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Oct 2022 21:43:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:

The uncomfortable mindset shift needed to become debt free,

How to handle vacations that you agreed to before starting the Baby Steps,

Why the return on investment on solar panels is so difficult,

How to determine if a job offer is a right for your family,

What to do when you don't feel supported by friends and family during your debt free journey,

Why cashing out retirement savings to pay off debt is a horrible plan,

How to challenge yourself to decrease your debt payoff timeline.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p><ul>
<li>The uncomfortable mindset shift needed to become debt free,</li>
<li>How to handle vacations that you agreed to before starting the Baby Steps,</li>
<li>Why the return on investment on solar panels is so difficult,</li>
<li>How to determine if a job offer is a right for your family,</li>
<li>What to do when you don't feel supported by friends and family during your debt free journey,</li>
<li>Why cashing out retirement savings to pay off debt is a horrible plan,</li>
<li>How to challenge yourself to decrease your debt payoff timeline.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c10c96b2-467c-11ed-8fcd-3ba0e268a276]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4436835671.mp3?updated=1665697819" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Answers To Your Money Problems Are Simple (Hour 2)</title>
      <description>George Kamel &amp; John Delony discuss:

What to do when dealing with debt collectors,

How to save your family after financially hitting rock bottom,

Why you should never co-sign on a loan,

Why you shouldn't skip over Baby Step 5 to pay off your house,

Why you should never use your Roth as an emergency fund,

How to prioritize your debts.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Oct 2022 20:43:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; John Delony discuss:

What to do when dealing with debt collectors,

How to save your family after financially hitting rock bottom,

Why you should never co-sign on a loan,

Why you shouldn't skip over Baby Step 5 to pay off your house,

Why you should never use your Roth as an emergency fund,

How to prioritize your debts.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; John Delony discuss:</p><ul>
<li>What to do when dealing with debt collectors,</li>
<li>How to save your family after financially hitting rock bottom,</li>
<li>Why you should never co-sign on a loan,</li>
<li>Why you shouldn't skip over Baby Step 5 to pay off your house,</li>
<li>Why you should never use your Roth as an emergency fund,</li>
<li>How to prioritize your debts.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[594140b4-467c-11ed-b173-f7cc08055b8b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9105595769.mp3?updated=1665693851" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Stay Gazelle Intense When Feeling Burnt Out (Hour 1)</title>
      <description>John Delony &amp; George Kamel discuss:

How to get back to Gazelle intensity when feeling burnt out,

How to prepare to be a stay at home mom as newlyweds in Baby Step 2,

Finding peace from your past and how to not let trauma drive your financial decisions,

How to not make teens feel responsible to help the family during tough financial times,

How to manage finances when ending a relationship.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 13 Oct 2022 20:24:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:

How to get back to Gazelle intensity when feeling burnt out,

How to prepare to be a stay at home mom as newlyweds in Baby Step 2,

Finding peace from your past and how to not let trauma drive your financial decisions,

How to not make teens feel responsible to help the family during tough financial times,

How to manage finances when ending a relationship.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p><ul>
<li>How to get back to Gazelle intensity when feeling burnt out,</li>
<li>How to prepare to be a stay at home mom as newlyweds in Baby Step 2,</li>
<li>Finding peace from your past and how to not let trauma drive your financial decisions,</li>
<li>How to not make teens feel responsible to help the family during tough financial times,</li>
<li>How to manage finances when ending a relationship.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2627</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9911e26c-467b-11ed-b412-eb2858165e19]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1788125359.mp3?updated=1665692742" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should I Do With This Inheritance? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Should I move out of my parents' house?

Switching jobs for a small pay increase,

What to do with an inheritance,

Taking a pay cut for a less stressful job,

Putting 5% down on a house,

The best retirement options.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Oct 2022 21:27:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Should I move out of my parents' house?

Switching jobs for a small pay increase,

What to do with an inheritance,

Taking a pay cut for a less stressful job,

Putting 5% down on a house,

The best retirement options.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Should I move out of my parents' house?</li>
<li>Switching jobs for a small pay increase,</li>
<li>What to do with an inheritance,</li>
<li>Taking a pay cut for a less stressful job,</li>
<li>Putting 5% down on a house,</li>
<li>The best retirement options.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c0f80422-467c-11ed-8fcd-63dd1d51e4f2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3553965066.mp3?updated=1665610237" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can We Pay Off Our House More Quickly? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Using the emergency fund to pay for schooling,

How to pay off your home more quickly,

When it's time to sell the Tesla,

Letting a family member pay off your debt,

Burnout at work.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Oct 2022 20:42:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Using the emergency fund to pay for schooling,

How to pay off your home more quickly,

When it's time to sell the Tesla,

Letting a family member pay off your debt,

Burnout at work.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Using the emergency fund to pay for schooling,</li>
<li>How to pay off your home more quickly,</li>
<li>When it's time to sell the Tesla,</li>
<li>Letting a family member pay off your debt,</li>
<li>Burnout at work.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[592c4218-467c-11ed-b173-7b601ea971c7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3357168789.mp3?updated=1665607290" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Never Get a Degree Just for a Higher Paycheck (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Maxing out a 401(k),

Buying out a car lease,

Selling a vehicle vs. paying it off,

Going into debt to go to law school,

Opening a new IRA,

Investing an inheritance vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 12 Oct 2022 20:06:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Maxing out a 401(k),

Buying out a car lease,

Selling a vehicle vs. paying it off,

Going into debt to go to law school,

Opening a new IRA,

Investing an inheritance vs. paying off the house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Maxing out a 401(k),</li>
<li>Buying out a car lease,</li>
<li>Selling a vehicle vs. paying it off,</li>
<li>Going into debt to go to law school,</li>
<li>Opening a new IRA,</li>
<li>Investing an inheritance vs. paying off the house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2580</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98fc7062-467b-11ed-b412-df1327ac0760]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5593099071.mp3?updated=1665604739" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Move Out of My Parents’ House? (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

When it makes sense to buy a second vehicle,

Preparing to move out of your parents' house,

What to do when retirement plans change,

Counting HSA contributions toward baby step 4,

Why credit cards aren't smart.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Oct 2022 21:39:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

When it makes sense to buy a second vehicle,

Preparing to move out of your parents' house,

What to do when retirement plans change,

Counting HSA contributions toward baby step 4,

Why credit cards aren't smart.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>When it makes sense to buy a second vehicle,</li>
<li>Preparing to move out of your parents' house,</li>
<li>What to do when retirement plans change,</li>
<li>Counting HSA contributions toward baby step 4,</li>
<li>Why credit cards aren't smart.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2623</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c0e37a8e-467c-11ed-8fcd-8bdef9530272]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3232394482.mp3?updated=1665524575" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Overcoming Adversity and Winning With Money (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

What to do with an inherited IRA,

Being independent with high-functioning autism,

Not being on the same page with a spouse,

Negotiating with debt-collectors,

Helping a child struggling with suicidal threats.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Oct 2022 21:09:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

What to do with an inherited IRA,

Being independent with high-functioning autism,

Not being on the same page with a spouse,

Negotiating with debt-collectors,

Helping a child struggling with suicidal threats.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>What to do with an inherited IRA,</li>
<li>Being independent with high-functioning autism,</li>
<li>Not being on the same page with a spouse,</li>
<li>Negotiating with debt-collectors,</li>
<li>Helping a child struggling with suicidal threats.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5918ad84-467c-11ed-b173-5319d0c3cd8c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8112032731.mp3?updated=1665522809" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing vs. Paying Down the Mortgage (Hour 1)</title>
      <description>John Delony &amp; George Kamel discuss:

How much of your net worth should be in cars,

If you should sell your house when moving across the country,

How to maximize your savings and live your life,

Affording care for mental health.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 11 Oct 2022 21:00:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:

How much of your net worth should be in cars,

If you should sell your house when moving across the country,

How to maximize your savings and live your life,

Affording care for mental health.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p><ul>
<li>How much of your net worth should be in cars,</li>
<li>If you should sell your house when moving across the country,</li>
<li>How to maximize your savings and live your life,</li>
<li>Affording care for mental health.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2623</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98e6c4b0-467b-11ed-b412-5f2553766b2b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9420992301.mp3?updated=1665517932" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Tried “House Hacking” and It Was a Disaster (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Cash-flowing a house while paying off debt,

Going to college without debt,

Disagreeing with family about what to do with money,

Renter's insurance,

When "house hacking" doesn't work out like you planned,

Cashing out investments to pay off debt even if the market is down.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Oct 2022 21:29:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Cash-flowing a house while paying off debt,

Going to college without debt,

Disagreeing with family about what to do with money,

Renter's insurance,

When "house hacking" doesn't work out like you planned,

Cashing out investments to pay off debt even if the market is down.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Cash-flowing a house while paying off debt,</li>
<li>Going to college without debt,</li>
<li>Disagreeing with family about what to do with money,</li>
<li>Renter's insurance,</li>
<li>When "house hacking" doesn't work out like you planned,</li>
<li>Cashing out investments to pay off debt even if the market is down.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c0ccf214-467c-11ed-8fcd-9f36e4fd9554]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9592591482.mp3?updated=1665437500" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Setting Yourself Up for Financial Success (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Paying off debt with a tight budget,

Cashing out an IRA,

Setting yourself up for financial success,

Getting a spouse on board with the baby steps,

Avoiding online dating scams,

Quitting a job to go back to school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Oct 2022 20:58:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Paying off debt with a tight budget,

Cashing out an IRA,

Setting yourself up for financial success,

Getting a spouse on board with the baby steps,

Avoiding online dating scams,

Quitting a job to go back to school.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Paying off debt with a tight budget,</li>
<li>Cashing out an IRA,</li>
<li>Setting yourself up for financial success,</li>
<li>Getting a spouse on board with the baby steps,</li>
<li>Avoiding online dating scams,</li>
<li>Quitting a job to go back to school.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5905717e-467c-11ed-b173-33b6629635c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4109004658.mp3?updated=1665435636" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing During a Down Market (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Moving to a new job vs. keeping the one you have,

Investing,

What to do when you lose your job,

Taking out a mortgage for a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 10 Oct 2022 19:29:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Moving to a new job vs. keeping the one you have,

Investing,

What to do when you lose your job,

Taking out a mortgage for a rental property.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Moving to a new job vs. keeping the one you have,</li>
<li>Investing,</li>
<li>What to do when you lose your job,</li>
<li>Taking out a mortgage for a rental property.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98d1a9f4-467b-11ed-b412-8f64a357a35f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1575037093.mp3?updated=1665430289" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do I Do With This Extra Money? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Paying an employer back moving expenses,

What to do with inherited money,

The right type of auto insurance,

When you can afford to cut back on work hours,

What to do with extra money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Oct 2022 21:42:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Paying an employer back moving expenses,

What to do with inherited money,

The right type of auto insurance,

When you can afford to cut back on work hours,

What to do with extra money.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Paying an employer back moving expenses,</li>
<li>What to do with inherited money,</li>
<li>The right type of auto insurance,</li>
<li>When you can afford to cut back on work hours,</li>
<li>What to do with extra money.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f72f93a-38f4-11ed-a16c-f32d5a3c1f42]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2903584017.mp3?updated=1665178991" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is My Situation An Exception To The Baby Steps? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

How to set up your debt snowball,

How to manage finances during a divorce,

Deciding if you're willing to fight for your marriage,

Where paying back your parents fall in the debt snowball,

How to make sure you're investing effectively,

Why you shouldn't build an emergency fund while in Baby Step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Oct 2022 20:41:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

How to set up your debt snowball,

How to manage finances during a divorce,

Deciding if you're willing to fight for your marriage,

Where paying back your parents fall in the debt snowball,

How to make sure you're investing effectively,

Why you shouldn't build an emergency fund while in Baby Step 2.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>How to set up your debt snowball,</li>
<li>How to manage finances during a divorce,</li>
<li>Deciding if you're willing to fight for your marriage,</li>
<li>Where paying back your parents fall in the debt snowball,</li>
<li>How to make sure you're investing effectively,</li>
<li>Why you shouldn't build an emergency fund while in Baby Step 2.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[38192d16-38f3-11ed-bb6e-137fe736f76b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8670545639.mp3?updated=1665175027" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Boss Is Stealing From You! (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

What to do when your boss is stealing from you,

Why it might not be worth moving for a new job,

Whether or not you should apply for student loan forgiveness,

If you should quit a job in ministry to increase income,

When you should stop working for yourself and go back to work for someone else,

Saving for your kids future education outside of a 4 year degree.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 07 Oct 2022 19:38:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

What to do when your boss is stealing from you,

Why it might not be worth moving for a new job,

Whether or not you should apply for student loan forgiveness,

If you should quit a job in ministry to increase income,

When you should stop working for yourself and go back to work for someone else,

Saving for your kids future education outside of a 4 year degree.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>What to do when your boss is stealing from you,</li>
<li>Why it might not be worth moving for a new job,</li>
<li>Whether or not you should apply for student loan forgiveness,</li>
<li>If you should quit a job in ministry to increase income,</li>
<li>When you should stop working for yourself and go back to work for someone else,</li>
<li>Saving for your kids future education outside of a 4 year degree.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[df246252-38f2-11ed-b592-03c1fc739e3f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8392414482.mp3?updated=1665171701" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Make a Ton of Money… Where Did It All Go? (Hour 3)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

How to choose a mortgage lender,

What to do with a 401(k) from a previous company,

Figuring out where all your money goes when you're not paying attention,

Using extra money for savings or paying off debt,

How much money to save for an emergency fund,

Investing vs. saving for a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Oct 2022 21:29:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

How to choose a mortgage lender,

What to do with a 401(k) from a previous company,

Figuring out where all your money goes when you're not paying attention,

Using extra money for savings or paying off debt,

How much money to save for an emergency fund,

Investing vs. saving for a house.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>How to choose a mortgage lender,</li>
<li>What to do with a 401(k) from a previous company,</li>
<li>Figuring out where all your money goes when you're not paying attention,</li>
<li>Using extra money for savings or paying off debt,</li>
<li>How much money to save for an emergency fund,</li>
<li>Investing vs. saving for a house.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm CT</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2628</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f5c0aae-38f4-11ed-a16c-c3b42ed437ea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1088073212.mp3?updated=1665091954" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Is a Tightwad! (Hour 2)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Selling the house to move closer to family or keeping it,

Coping with a controlling spouse who doesn't like to spend money,

Starting a marriage off on the right foot financially,

Protecting against identity theft after a home break-in.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Oct 2022 20:47:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Selling the house to move closer to family or keeping it,

Coping with a controlling spouse who doesn't like to spend money,

Starting a marriage off on the right foot financially,

Protecting against identity theft after a home break-in.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Selling the house to move closer to family or keeping it,</li>
<li>Coping with a controlling spouse who doesn't like to spend money,</li>
<li>Starting a marriage off on the right foot financially,</li>
<li>Protecting against identity theft after a home break-in.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37ffce7a-38f3-11ed-bb6e-5bb2f0b7269e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2751801415.mp3?updated=1665089235" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Real Estate Investing Is Not “Passive Income” (Hour 1)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Buying a house in the current market,

Selling a car to get out of debt,

How much money is enough to retire on,

Graham Stephan's trashed rental property (and why "passive income" is a myth),

Paying off student loans,

What to do with company stocks when you leave the company.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 06 Oct 2022 19:39:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Buying a house in the current market,

Selling a car to get out of debt,

How much money is enough to retire on,

Graham Stephan's trashed rental property (and why "passive income" is a myth),

Paying off student loans,

What to do with company stocks when you leave the company.


Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Buying a house in the current market,</li>
<li>Selling a car to get out of debt,</li>
<li>How much money is enough to retire on,</li>
<li>Graham Stephan's trashed rental property (and why "passive income" is a myth),</li>
<li>Paying off student loans,</li>
<li>What to do with company stocks when you leave the company.</li>
</ul><p><br></p><p>Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[df0b6cc0-38f2-11ed-b592-83df03639679]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5881347402.mp3?updated=1665085318" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting Out of a Toxic Family Business (Hour 3)</title>
      <description>Rachel Cruze &amp; Kristina Ellis discuss:

Tithing on retirement,

Dealing with a toxic family business,

Marrying someone with debt,

Getting a reluctant spouse on board,

Buying a house without rental history.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Oct 2022 21:37:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis discuss:

Tithing on retirement,

Dealing with a toxic family business,

Marrying someone with debt,

Getting a reluctant spouse on board,

Buying a house without rental history.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis discuss:</p><ul>
<li>Tithing on retirement,</li>
<li>Dealing with a toxic family business,</li>
<li>Marrying someone with debt,</li>
<li>Getting a reluctant spouse on board,</li>
<li>Buying a house without rental history.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f4559c6-38f4-11ed-a16c-2f094d4e407b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3692846623.mp3?updated=1665006067" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With the High Cost of Childcare (Hour 2)</title>
      <description>Rachel Cruze &amp; Kristina Ellis discuss:

How to use a large inheritance,

What to do with a high interest mortgage,

Childcare costs,

Paying for medical bills for a fiancėe's family.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Oct 2022 20:58:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis discuss:

How to use a large inheritance,

What to do with a high interest mortgage,

Childcare costs,

Paying for medical bills for a fiancėe's family.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis discuss:</p><ul>
<li>How to use a large inheritance,</li>
<li>What to do with a high interest mortgage,</li>
<li>Childcare costs,</li>
<li>Paying for medical bills for a fiancėe's family.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37e6dff0-38f3-11ed-bb6e-438088daa6dc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7210653504.mp3?updated=1665003597" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Keep Building My Credit Score? (Hour 1)</title>
      <description>Rachel Cruze &amp; Kristina Ellis discuss:

Maintaining a credit score to be able to borrow money later (don't do it),

Alternatives to taking out loans for grad school,

Preparing for a big move,

Selling a rental property,

Saving for college,

Deciding to go back to school as an adult,

Paying off a house or investing that money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 05 Oct 2022 19:48:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis discuss:

Maintaining a credit score to be able to borrow money later (don't do it),

Alternatives to taking out loans for grad school,

Preparing for a big move,

Selling a rental property,

Saving for college,

Deciding to go back to school as an adult,

Paying off a house or investing that money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis discuss:</p><ul>
<li>Maintaining a credit score to be able to borrow money later (don't do it),</li>
<li>Alternatives to taking out loans for grad school,</li>
<li>Preparing for a big move,</li>
<li>Selling a rental property,</li>
<li>Saving for college,</li>
<li>Deciding to go back to school as an adult,</li>
<li>Paying off a house or investing that money.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[def0bfec-38f2-11ed-b592-972a9d4a54cf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6756017880.mp3?updated=1664999512" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Make Your Kids Pay for Car Insurance? (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Making a 16-year-old pay for car insurance,

Buying a house right now,

Starting a business vs. buying a house,

Getting a 30-year mortgage if you're planning on selling the house soon,

Quitting school to become a full-time DJ.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Oct 2022 21:49:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Making a 16-year-old pay for car insurance,

Buying a house right now,

Starting a business vs. buying a house,

Getting a 30-year mortgage if you're planning on selling the house soon,

Quitting school to become a full-time DJ.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Making a 16-year-old pay for car insurance,</li>
<li>Buying a house right now,</li>
<li>Starting a business vs. buying a house,</li>
<li>Getting a 30-year mortgage if you're planning on selling the house soon,</li>
<li>Quitting school to become a full-time DJ.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f2eba22-38f4-11ed-a16c-bb537edd13fd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8546419586.mp3?updated=1664920256" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Awareness &amp; Discipline Are the Keys to Winning With Money (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Expanding a business,

Getting out of a business with an ex-girlfriend,

Where to put kids' inheritance money until they're older,

Selling a rental property to pay off debt,

How much to spend on a wedding ring,

Reverse mortgages.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Oct 2022 20:48:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Expanding a business,

Getting out of a business with an ex-girlfriend,

Where to put kids' inheritance money until they're older,

Selling a rental property to pay off debt,

How much to spend on a wedding ring,

Reverse mortgages.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Expanding a business,</li>
<li>Getting out of a business with an ex-girlfriend,</li>
<li>Where to put kids' inheritance money until they're older,</li>
<li>Selling a rental property to pay off debt,</li>
<li>How much to spend on a wedding ring,</li>
<li>Reverse mortgages.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37cdb3c2-38f3-11ed-bb6e-db77b5ae4426]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7162295654.mp3?updated=1664917415" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Keeps Dragging His Feet on Paying Off Debt (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Paying off a 401(k) loan,

Getting on the same page around money in a marriage,

Cash-flowing medical bills,

Knowing when it's time to upgrade the car,

Paying for braces,

How to start financial discussions with a fiancée.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 04 Oct 2022 20:17:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Paying off a 401(k) loan,

Getting on the same page around money in a marriage,

Cash-flowing medical bills,

Knowing when it's time to upgrade the car,

Paying for braces,

How to start financial discussions with a fiancée.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Paying off a 401(k) loan,</li>
<li>Getting on the same page around money in a marriage,</li>
<li>Cash-flowing medical bills,</li>
<li>Knowing when it's time to upgrade the car,</li>
<li>Paying for braces,</li>
<li>How to start financial discussions with a fiancée.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ded74576-38f2-11ed-b592-ff759794c6e1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8297100961.mp3?updated=1664913926" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Pay for College? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Dealing with a messy divorce situation,

Paying for college,

What to do with death benefits,

Living in your car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Oct 2022 21:29:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Dealing with a messy divorce situation,

Paying for college,

What to do with death benefits,

Living in your car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Dealing with a messy divorce situation,</li>
<li>Paying for college,</li>
<li>What to do with death benefits,</li>
<li>Living in your car.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f1774d4-38f4-11ed-a16c-5b46e83b060c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1387880241.mp3?updated=1664832710" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Cut Yourself Loose from Fools! (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Student loan forgiveness news,

Getting out of a messy house situation with family,

What to do with extra cash,

Buying a vacation home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Oct 2022 20:45:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Student loan forgiveness news,

Getting out of a messy house situation with family,

What to do with extra cash,

Buying a vacation home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Student loan forgiveness news,</li>
<li>Getting out of a messy house situation with family,</li>
<li>What to do with extra cash,</li>
<li>Buying a vacation home.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[37b47808-38f3-11ed-bb6e-a3ce0cce5bc4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9756822177.mp3?updated=1664830182" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Having Financial Peace During a Tragedy (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Financial peace after a hurricane,

Hiring people to grow a business,

Making progress when you're behind on your utilities,

Getting on the same page with a spouse.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 03 Oct 2022 19:32:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Financial peace after a hurricane,

Hiring people to grow a business,

Making progress when you're behind on your utilities,

Getting on the same page with a spouse.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Financial peace after a hurricane,</li>
<li>Hiring people to grow a business,</li>
<li>Making progress when you're behind on your utilities,</li>
<li>Getting on the same page with a spouse.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[debc7a2a-38f2-11ed-b592-4bf65b885a76]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6512208876.mp3?updated=1664825568" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is Why You Don't Buy Property With Friends (Hour 3)</title>
      <description>Rachel Cruze &amp; John Delony discuss:

How to navigate dissolving real estate partnerships with friends,

How to know when you should take a travel oriented career position,

The impact that getting out of debt will have your young family,

The best ways to maximize your savings,

How to do what your passionate about without being a strain on your finances,

When to start budgeting together after you get married,

How to get get out of massive car debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Sep 2022 21:39:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:

How to navigate dissolving real estate partnerships with friends,

How to know when you should take a travel oriented career position,

The impact that getting out of debt will have your young family,

The best ways to maximize your savings,

How to do what your passionate about without being a strain on your finances,

When to start budgeting together after you get married,

How to get get out of massive car debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p><ul>
<li>How to navigate dissolving real estate partnerships with friends,</li>
<li>How to know when you should take a travel oriented career position,</li>
<li>The impact that getting out of debt will have your young family,</li>
<li>The best ways to maximize your savings,</li>
<li>How to do what your passionate about without being a strain on your finances,</li>
<li>When to start budgeting together after you get married,</li>
<li>How to get get out of massive car debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[983e7e58-351f-11ed-980a-8b91444b6b53]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7260039154.mp3?updated=1664574123" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Know When Change Is Worth The Risk (Hour 2)</title>
      <description>Rachel Cruze &amp; John Delony discuss:

How to walk through substance abuse with your spouse,

How to assess when a job change is beneficial,

When selling your vehicle could be a smart move,

How you should plan for moving expenses,

Managing insurance settlements for your children,

How to reconnect and be vulnerable with your spouse during a difficult season.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Sep 2022 20:41:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:

How to walk through substance abuse with your spouse,

How to assess when a job change is beneficial,

When selling your vehicle could be a smart move,

How you should plan for moving expenses,

Managing insurance settlements for your children,

How to reconnect and be vulnerable with your spouse during a difficult season.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p><ul>
<li>How to walk through substance abuse with your spouse,</li>
<li>How to assess when a job change is beneficial,</li>
<li>When selling your vehicle could be a smart move,</li>
<li>How you should plan for moving expenses,</li>
<li>Managing insurance settlements for your children,</li>
<li>How to reconnect and be vulnerable with your spouse during a difficult season.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93e93958-351d-11ed-9c5e-5788e68dbdf4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9967075629.mp3?updated=1664570590" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Could Be Free From Debt TODAY! (Hour 1)</title>
      <description>Rachel Cruze &amp; John Delony discuss:

Investing using company stocks,

Conviction about debt in sales careers,

Why you shouldn't take money from your 401k,

Why you shouldn't wait to pay off your credit cards,

How to talk to parents about end of life arrangements,

Why not paying off your house is horrible advice,

What to do with extra money in your budget.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 30 Sep 2022 19:44:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:

Investing using company stocks,

Conviction about debt in sales careers,

Why you shouldn't take money from your 401k,

Why you shouldn't wait to pay off your credit cards,

How to talk to parents about end of life arrangements,

Why not paying off your house is horrible advice,

What to do with extra money in your budget.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p><ul>
<li>Investing using company stocks,</li>
<li>Conviction about debt in sales careers,</li>
<li>Why you shouldn't take money from your 401k,</li>
<li>Why you shouldn't wait to pay off your credit cards,</li>
<li>How to talk to parents about end of life arrangements,</li>
<li>Why not paying off your house is horrible advice,</li>
<li>What to do with extra money in your budget.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[834bfc62-351c-11ed-ada1-5f11f4bf62cb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1141592672.mp3?updated=1664567246" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Saving for College (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Saving for college,

Gaining financial independence,

Paying off a home when you know you're moving,

How to use an extra $100k,

Adjusting tax withholdings,

Pausing the baby steps to buy a car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Sep 2022 21:29:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Saving for college,

Gaining financial independence,

Paying off a home when you know you're moving,

How to use an extra $100k,

Adjusting tax withholdings,

Pausing the baby steps to buy a car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Saving for college,</li>
<li>Gaining financial independence,</li>
<li>Paying off a home when you know you're moving,</li>
<li>How to use an extra $100k,</li>
<li>Adjusting tax withholdings,</li>
<li>Pausing the baby steps to buy a car.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[982577fa-351f-11ed-980a-b3c4b964628a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4976334857.mp3?updated=1664487196" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Financially Preparing for Your Future (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

What to do after selling a house,

Selling a car to pay off debt,

Paying for a house,

Preparing for the future,

Figuring what debts you owe so you can pay them off.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Sep 2022 20:46:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

What to do after selling a house,

Selling a car to pay off debt,

Paying for a house,

Preparing for the future,

Figuring what debts you owe so you can pay them off.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>What to do after selling a house,</li>
<li>Selling a car to pay off debt,</li>
<li>Paying for a house,</li>
<li>Preparing for the future,</li>
<li>Figuring what debts you owe so you can pay them off.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93ce0cf0-351d-11ed-9c5e-1f9c30036cf1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7268818245.mp3?updated=1664484725" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pay Off the House? (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Paying off the house,

Investing in an HSA,

Helping a parent set up their will,

Going to college vs. focusing on a small business,

Applying for the FAFSA,

Selling a car to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Sep 2022 20:08:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Paying off the house,

Investing in an HSA,

Helping a parent set up their will,

Going to college vs. focusing on a small business,

Applying for the FAFSA,

Selling a car to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Paying off the house,</li>
<li>Investing in an HSA,</li>
<li>Helping a parent set up their will,</li>
<li>Going to college vs. focusing on a small business,</li>
<li>Applying for the FAFSA,</li>
<li>Selling a car to pay off debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[833c62c0-351c-11ed-ada1-1b6abdbddc50]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9927670181.mp3?updated=1664481893" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Borrow Money for School! (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

An ethical dilemma over selling whole life insurance,

Paying for medical school,

Buying a house with a bad credit score,

Leasing a vehicle,

Cashing out a 401(k).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 29 Sep 2022 01:11:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

An ethical dilemma over selling whole life insurance,

Paying for medical school,

Buying a house with a bad credit score,

Leasing a vehicle,

Cashing out a 401(k).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>An ethical dilemma over selling whole life insurance,</li>
<li>Paying for medical school,</li>
<li>Buying a house with a bad credit score,</li>
<li>Leasing a vehicle,</li>
<li>Cashing out a 401(k).</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[980d097c-351f-11ed-980a-ef675f72894e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9635430982.mp3?updated=1664402587" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Shouldn’t I Keep Investing While Paying Off Debt? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

How much life insurance you need,

Saving vs. paying off the house,

Upgrading a car,

How to budget extra money,

Investing while paying off debt.

What to do with extra income,

Starting a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Sep 2022 21:19:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

How much life insurance you need,

Saving vs. paying off the house,

Upgrading a car,

How to budget extra money,

Investing while paying off debt.

What to do with extra income,

Starting a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>How much life insurance you need,</li>
<li>Saving vs. paying off the house,</li>
<li>Upgrading a car,</li>
<li>How to budget extra money,</li>
<li>Investing while paying off debt.</li>
<li>What to do with extra income,</li>
<li>Starting a business.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93aff530-351d-11ed-9c5e-e73fd137f8a5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3882051094.mp3?updated=1664400254" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should I Do With My Savings? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

When should I quit my job to go full time with my side hustle?

Moving in with parents to save money,

Building a dream home,

Putting savings toward debt or holding onto them,

When to build back up the emergency fund after using it,

Using a credit card for work expenses.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 28 Sep 2022 20:39:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

When should I quit my job to go full time with my side hustle?

Moving in with parents to save money,

Building a dream home,

Putting savings toward debt or holding onto them,

When to build back up the emergency fund after using it,

Using a credit card for work expenses.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>When should I quit my job to go full time with my side hustle?</li>
<li>Moving in with parents to save money,</li>
<li>Building a dream home,</li>
<li>Putting savings toward debt or holding onto them,</li>
<li>When to build back up the emergency fund after using it,</li>
<li>Using a credit card for work expenses.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[832cc72a-351c-11ed-ada1-4b48debb901c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5475428637.mp3?updated=1664397689" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s How You Actually Stick to a Budget (Hour 3)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

Paying off a vehicle,

Taking another stab at budgeting after falling off the wagon,

How to increase your income.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Sep 2022 21:30:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

Paying off a vehicle,

Taking another stab at budgeting after falling off the wagon,

How to increase your income.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>Paying off a vehicle,</li>
<li>Taking another stab at budgeting after falling off the wagon,</li>
<li>How to increase your income.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[97f568a8-351f-11ed-980a-73312e6455a2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3537160243.mp3?updated=1664314325" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My IRA Is Losing Money… Should I Pull Out? (Hour 2)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

Dealing with the emotions of a down market,

Providing as a single mom,

The finances behind being a stay-at-home mom,

Pausing investing to do home repairs.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Sep 2022 20:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

Dealing with the emotions of a down market,

Providing as a single mom,

The finances behind being a stay-at-home mom,

Pausing investing to do home repairs.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>Dealing with the emotions of a down market,</li>
<li>Providing as a single mom,</li>
<li>The finances behind being a stay-at-home mom,</li>
<li>Pausing investing to do home repairs.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9395e956-351d-11ed-9c5e-e3cc01eacab4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3422501599.mp3?updated=1664311160" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Real Impact of Inflation (Hour 1)</title>
      <description>Rachel Cruze &amp; Ken Coleman discuss:

The real impact of inflation,

Considering a job move,

Dealing with a toxic family member making bad money decisions,

Investing in a future house for your kids vs. saving for their college.

How to invest $100k,

Selling a house to get out of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 27 Sep 2022 19:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:

The real impact of inflation,

Considering a job move,

Dealing with a toxic family member making bad money decisions,

Investing in a future house for your kids vs. saving for their college.

How to invest $100k,

Selling a house to get out of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p><ul>
<li>The real impact of inflation,</li>
<li>Considering a job move,</li>
<li>Dealing with a toxic family member making bad money decisions,</li>
<li>Investing in a future house for your kids vs. saving for their college.</li>
<li>How to invest $100k,</li>
<li>Selling a house to get out of debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[831d8b84-351c-11ed-ada1-afcdb4831e60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3577684560.mp3?updated=1664307211" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Cash Should I Keep On Hand for Emergencies? (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

How much cash you should keep on hand for emergencies,

When to buy a rental property,

Paying off debt when it feels hopeless,

Selling cars.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Sep 2022 21:31:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

How much cash you should keep on hand for emergencies,

When to buy a rental property,

Paying off debt when it feels hopeless,

Selling cars.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>How much cash you should keep on hand for emergencies,</li>
<li>When to buy a rental property,</li>
<li>Paying off debt when it feels hopeless,</li>
<li>Selling cars.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[97dd0a92-351f-11ed-980a-2f5994f36277]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5424145916.mp3?updated=1664228057" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell My Car To Pay Off Debt? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Getting inspired to get focused with money,

Tithing on a home sale,

Getting out of $135k of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Sep 2022 20:40:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Selling a car to pay off debt,

Getting inspired to get focused with money,

Tithing on a home sale,

Getting out of $135k of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Selling a car to pay off debt,</li>
<li>Getting inspired to get focused with money,</li>
<li>Tithing on a home sale,</li>
<li>Getting out of $135k of debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[937c6062-351d-11ed-9c5e-a308ae85c1e6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7480833910.mp3?updated=1664225017" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Protect My Savings From Inflation? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Building a home vs. buying one,

Preparing for med school,

Selling the house to pay off debt,

Protecting savings from inflation.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 26 Sep 2022 20:26:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Building a home vs. buying one,

Preparing for med school,

Selling the house to pay off debt,

Protecting savings from inflation.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Building a home vs. buying one,</li>
<li>Preparing for med school,</li>
<li>Selling the house to pay off debt,</li>
<li>Protecting savings from inflation.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[830e9a16-351c-11ed-ada1-c7859d6fdbf4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7075351620.mp3?updated=1664222996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Bonus Episode: 30 Years of Life, Money, &amp; Hope on The Ramsey Show</title>
      <description>In this special bonus episode celebrating the 30th anniversary of the Ramsey Show, Dave and the personalities take a look back at 30 years of the show. They talk about the best and worst calls, the heart behind the show, and where they see the show going in the next 30 years. It's a special episode filled with stories from THREE DECADES of amazing people doing amazing things to change their lives and live like no one else.
Watch this episode on YouTube here: https://youtu.be/2LJoOlhZ4Ak</description>
      <pubDate>Fri, 23 Sep 2022 21:32:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/31eaa7bc-3b6e-11ed-9e41-a7ef74277142/image/TRS-Panel-podcast-cover.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>In this special bonus episode celebrating the 30th anniversary of the Ramsey Show, Dave and the personalities take a look back at 30 years of the show. They talk about the best and worst calls, the heart behind the show, and where they see the show going in the next 30 years. It's a special episode filled with stories from THREE DECADES of amazing people doing amazing things to change their lives and live like no one else.
Watch this episode on YouTube here: https://youtu.be/2LJoOlhZ4Ak</itunes:summary>
      <content:encoded>
        <![CDATA[<p>In this special bonus episode celebrating the 30th anniversary of the Ramsey Show, Dave and the personalities take a look back at 30 years of the show. They talk about the best and worst calls, the heart behind the show, and where they see the show going in the next 30 years. It's a special episode filled with stories from THREE DECADES of amazing people doing amazing things to change their lives and live like no one else.</p><p>Watch this episode on YouTube here: <a href="https://youtu.be/2LJoOlhZ4Ak">https://youtu.be/2LJoOlhZ4Ak</a></p>]]>
      </content:encoded>
      <itunes:duration>4668</itunes:duration>
      <guid isPermaLink="false"><![CDATA[31eaa7bc-3b6e-11ed-9e41-a7ef74277142]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5635042174.mp3?updated=1663959426" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Need Motivation To Keep Going (Hour 3)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

Tithing while paying off debt,

Stupid tax segment

Getting the motivation to go through the baby steps,

Saving for a house down payment,

Paying off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Sep 2022 21:28:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

Tithing while paying off debt,

Stupid tax segment

Getting the motivation to go through the baby steps,

Saving for a house down payment,

Paying off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>Tithing while paying off debt,</li>
<li>Stupid tax segment</li>
<li>Getting the motivation to go through the baby steps,</li>
<li>Saving for a house down payment,</li>
<li>Paying off debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9ff2626a-3509-11ed-9223-4fd87eaba0bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4439488484.mp3?updated=1663968765" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Car Can I Afford? (Hour 2)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

Helping an elderly parent deal with their financial mistakes,

How much to spend on a new car,

Cleaning up a financial mess,

What to do with an inheritance.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Sep 2022 20:39:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

Helping an elderly parent deal with their financial mistakes,

How much to spend on a new car,

Cleaning up a financial mess,

What to do with an inheritance.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>Helping an elderly parent deal with their financial mistakes,</li>
<li>How much to spend on a new car,</li>
<li>Cleaning up a financial mess,</li>
<li>What to do with an inheritance.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[de0e3c8c-3508-11ed-bbb3-4b08fd38b2d6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2594857483.mp3?updated=1663965846" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Was Scammed by the Promise of Passive Real Estate Income (Hour 1)</title>
      <description>Rachel Cruze &amp; George Kamel discuss:

Getting family on board with the Ramsey plan,

Getting out of the rental game,

Why passive income from real estate is a myth.

Moving out of your parents' house,

Getting started on Baby Step 1,

Leaving a stable job to find better pay.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 23 Sep 2022 19:54:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:

Getting family on board with the Ramsey plan,

Getting out of the rental game,

Why passive income from real estate is a myth.

Moving out of your parents' house,

Getting started on Baby Step 1,

Leaving a stable job to find better pay.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p><ul>
<li>Getting family on board with the Ramsey plan,</li>
<li>Getting out of the rental game,</li>
<li>Why passive income from real estate is a myth.</li>
<li>Moving out of your parents' house,</li>
<li>Getting started on Baby Step 1,</li>
<li>Leaving a stable job to find better pay.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1ad70b40-3508-11ed-8c1d-5ba403d8e2d6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3690907147.mp3?updated=1663963003" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pause the Baby Steps? (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Pausing paying off debt to save up for a new vehicle,

Saving up moving costs instead of investing,

Investing more than 15%,

Working with a spouse who is gazelle intense,

Credit scores.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Sep 2022 21:45:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Pausing paying off debt to save up for a new vehicle,

Saving up moving costs instead of investing,

Investing more than 15%,

Working with a spouse who is gazelle intense,

Credit scores.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Pausing paying off debt to save up for a new vehicle,</li>
<li>Saving up moving costs instead of investing,</li>
<li>Investing more than 15%,</li>
<li>Working with a spouse who is gazelle intense,</li>
<li>Credit scores.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9fe01fec-3509-11ed-9223-3fc424d7c42f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3802125866.mp3?updated=1663883321" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’ve Hit Rock Bottom &amp; Don’t Know What To Do (Hour 2)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Being sued by a credit card company,

Pausing investing to pay off debt,

Being desperate and scared going through a divorce.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Sep 2022 21:00:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Being sued by a credit card company,

Pausing investing to pay off debt,

Being desperate and scared going through a divorce.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Being sued by a credit card company,</li>
<li>Pausing investing to pay off debt,</li>
<li>Being desperate and scared going through a divorce.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ddf81bd2-3508-11ed-bbb3-17da7df4a81e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9342978570.mp3?updated=1663880673" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Lost $150K Day Trading Behind My Back (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Selling things vs. giving them away,

Whether or not to raise rent (on a relative),

Coping with horrific financial infidelity,

Making a career move to get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 22 Sep 2022 20:13:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Selling things vs. giving them away,

Whether or not to raise rent (on a relative),

Coping with horrific financial infidelity,

Making a career move to get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Selling things vs. giving them away,</li>
<li>Whether or not to raise rent (on a relative),</li>
<li>Coping with horrific financial infidelity,</li>
<li>Making a career move to get out of debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1ac30a3c-3508-11ed-8c1d-a38405f4976e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6914151015.mp3?updated=1663877773" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy My Parents a House? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Buying a house for your parents,

Offering to be an unpaid intern,

Getting a pilot's license during the baby steps,

The best way to save for retirement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Sep 2022 23:49:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Buying a house for your parents,

Offering to be an unpaid intern,

Getting a pilot's license during the baby steps,

The best way to save for retirement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Buying a house for your parents,</li>
<li>Offering to be an unpaid intern,</li>
<li>Getting a pilot's license during the baby steps,</li>
<li>The best way to save for retirement.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9fcd772a-3509-11ed-9223-6f71b52d2fe6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9440795904.mp3?updated=1663802720" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Focused Intensity Is the Key to Winning With Money (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Talking a friend out of student loans,

When to go to law school,

Paying off a house,

How you only lose money in the market if you sell when it's low,

Dealing with a house after a divorce,

Using extra income to pay off debt,

Dealing with toxic leadership in a job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Sep 2022 20:50:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Talking a friend out of student loans,

When to go to law school,

Paying off a house,

How you only lose money in the market if you sell when it's low,

Dealing with a house after a divorce,

Using extra income to pay off debt,

Dealing with toxic leadership in a job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Talking a friend out of student loans,</li>
<li>When to go to law school,</li>
<li>Paying off a house,</li>
<li>How you only lose money in the market if you sell when it's low,</li>
<li>Dealing with a house after a divorce,</li>
<li>Using extra income to pay off debt,</li>
<li>Dealing with toxic leadership in a job.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dde1b270-3508-11ed-bbb3-5fed8a5acf9b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7922937959.mp3?updated=1663793658" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is My $1000 Emergency Fund Enough? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

The best way to invest in your future,

Why college isn't necessarily the best choice for everyone,

Whether or not $1000 emergency fund is enough,

Pausing retirement to prepare for a career move.

Paying off student loans,

Saving for retirement only vs. also saving for a condo.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 21 Sep 2022 19:54:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

The best way to invest in your future,

Why college isn't necessarily the best choice for everyone,

Whether or not $1000 emergency fund is enough,

Pausing retirement to prepare for a career move.

Paying off student loans,

Saving for retirement only vs. also saving for a condo.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>The best way to invest in your future,</li>
<li>Why college isn't necessarily the best choice for everyone,</li>
<li>Whether or not $1000 emergency fund is enough,</li>
<li>Pausing retirement to prepare for a career move.</li>
<li>Paying off student loans,</li>
<li>Saving for retirement only vs. also saving for a condo.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1aada930-3508-11ed-8c1d-af5b28488ee9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2344714160.mp3?updated=1663790239" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Setting Financial Boundaries (Hour 3)</title>
      <description>Ken Coleman &amp; Dr. John Delony discuss:

Leaving an estranged child out of a will,

Getting out of a family business,

Buying an RV,

Selling rental property to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Sep 2022 21:42:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony discuss:

Leaving an estranged child out of a will,

Getting out of a family business,

Buying an RV,

Selling rental property to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony discuss:</p><ul>
<li>Leaving an estranged child out of a will,</li>
<li>Getting out of a family business,</li>
<li>Buying an RV,</li>
<li>Selling rental property to pay off debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9fba8bba-3509-11ed-9223-ef3ac6ba19f5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3965686774.mp3?updated=1663710345" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Fiancée Wants Us To Financially Support Her Family (Hour 2)</title>
      <description>Ken Coleman &amp; Dr. John Delony discuss:

Transitioning to become a stay-at-home mom,

The boundary issues around financially supporting a future spouse's family,

Saving for an emergency fund and paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Sep 2022 20:41:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Dr. John Delony discuss:

Transitioning to become a stay-at-home mom,

The boundary issues around financially supporting a future spouse's family,

Saving for an emergency fund and paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Dr. John Delony discuss:</p><ul>
<li>Transitioning to become a stay-at-home mom,</li>
<li>The boundary issues around financially supporting a future spouse's family,</li>
<li>Saving for an emergency fund and paying off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ddc87710-3508-11ed-bbb3-7358e19516f7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4441870412.mp3?updated=1663706583" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Spend $90K on a Tesla? (Hour 1)</title>
      <description>Ken Coleman &amp; John Delony discuss:

Renting versus purchasing a home,

Buying a Tesla for a growing family,

When you should upgrade your house,

How to relate to friends with anxiety.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 20 Sep 2022 19:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; John Delony discuss:

Renting versus purchasing a home,

Buying a Tesla for a growing family,

When you should upgrade your house,

How to relate to friends with anxiety.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; John Delony discuss:</p><ul>
<li>Renting versus purchasing a home,</li>
<li>Buying a Tesla for a growing family,</li>
<li>When you should upgrade your house,</li>
<li>How to relate to friends with anxiety.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1a98083c-3508-11ed-8c1d-8b25f92ec661]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8182930398.mp3?updated=1663702512" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Handle Debt in Collections? (Hour 3)</title>
      <description>Dave Ramsey, Ken Coleman, &amp; George Kamel celebrate the 30th Anniversary of the show and discuss:

Getting back in the job market as a recent widow,

Selling a house to pay off debt,

Dealing with debt in collection.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Sep 2022 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, Ken Coleman, &amp; George Kamel celebrate the 30th Anniversary of the show and discuss:

Getting back in the job market as a recent widow,

Selling a house to pay off debt,

Dealing with debt in collection.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, Ken Coleman, &amp; George Kamel celebrate the 30th Anniversary of the show and discuss:</p><ul>
<li>Getting back in the job market as a recent widow,</li>
<li>Selling a house to pay off debt,</li>
<li>Dealing with debt in collection.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9fa7c3ea-3509-11ed-9223-b71e5377fc1a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6799656656.mp3?updated=1663623155" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stay in the Market… Don’t Make Decisions Based on Fear! (Hour 2)</title>
      <description>Dave Ramsey, Dr. John Delony &amp; Kristina Ellis celebrate the 30th Anniversary of the show and discuss:

How to tell family to stop gifting silver,

Mutual funds vs. index funds,

Staying in the market even when it gets wild,

Debit cards vs. credit cards,

Renting out a home during residency,

Investing more than 15% in retirement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Sep 2022 20:56:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, Dr. John Delony &amp; Kristina Ellis celebrate the 30th Anniversary of the show and discuss:

How to tell family to stop gifting silver,

Mutual funds vs. index funds,

Staying in the market even when it gets wild,

Debit cards vs. credit cards,

Renting out a home during residency,

Investing more than 15% in retirement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, Dr. John Delony &amp; Kristina Ellis celebrate the 30th Anniversary of the show and discuss:</p><ul>
<li>How to tell family to stop gifting silver,</li>
<li>Mutual funds vs. index funds,</li>
<li>Staying in the market even when it gets wild,</li>
<li>Debit cards vs. credit cards,</li>
<li>Renting out a home during residency,</li>
<li>Investing more than 15% in retirement.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ddaf4d58-3508-11ed-bbb3-1b7d49a2d058]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2231819335.mp3?updated=1663621032" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Never, Never Quit! (Hour 1)</title>
      <description>Dave Ramsey, George Kamel, &amp; Rachel Cruze celebrate the 30th Anniversary of the show and discuss:

Downsizing a home,

Setting up finances with a spouse in assisted living.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 19 Sep 2022 19:29:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey, George Kamel, &amp; Rachel Cruze celebrate the 30th Anniversary of the show and discuss:

Downsizing a home,

Setting up finances with a spouse in assisted living.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey, George Kamel, &amp; Rachel Cruze celebrate the 30th Anniversary of the show and discuss:</p><ul>
<li>Downsizing a home,</li>
<li>Setting up finances with a spouse in assisted living.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1a7e9622-3508-11ed-8c1d-87dab63f707d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3859584237.mp3?updated=1663615919" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Struggling in the Job Hunt (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Answering tricky questions in a job interview,

Buying a home with cash vs. a mortgage,

Dealing with being in charge of parents' finances,

Struggling to find a job.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Sep 2022 21:43:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Answering tricky questions in a job interview,

Buying a home with cash vs. a mortgage,

Dealing with being in charge of parents' finances,

Struggling to find a job.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Ken Coleman &amp; Dr. John Delony discuss:</p><ul>
<li>Answering tricky questions in a job interview,</li>
<li>Buying a home with cash vs. a mortgage,</li>
<li>Dealing with being in charge of parents' finances,</li>
<li>Struggling to find a job.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1c202526-2e10-11ed-bd8d-ebfb753ffb18]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7958839633.mp3?updated=1663364464" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is My Emergency Fund Enough? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Purchasing a home,

Covering car repairs with an emergency funds,

Drama over family wills,

Pausing the baby steps to upgrade the house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Sep 2022 20:54:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Purchasing a home,

Covering car repairs with an emergency funds,

Drama over family wills,

Pausing the baby steps to upgrade the house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Ken Coleman &amp; Dr. John Delony discuss:</p><ul>
<li>Purchasing a home,</li>
<li>Covering car repairs with an emergency funds,</li>
<li>Drama over family wills,</li>
<li>Pausing the baby steps to upgrade the house.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c61afb6a-2e0f-11ed-a787-a3af88e18c1f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5280416799.mp3?updated=1663361878" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy an RV? (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Dealing with scammers,

A travel nurse considering buying an RV,

Unhealthy work environments,

Quitting a job to start a business.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 16 Sep 2022 19:54:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Ken Coleman &amp; Dr. John Delony discuss:

Dealing with scammers,

A travel nurse considering buying an RV,

Unhealthy work environments,

Quitting a job to start a business.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Ken Coleman &amp; Dr. John Delony discuss:</p><ul>
<li>Dealing with scammers,</li>
<li>A travel nurse considering buying an RV,</li>
<li>Unhealthy work environments,</li>
<li>Quitting a job to start a business.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[71eefa0a-2e0f-11ed-b8cf-d7927df4ddbe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3271464344.mp3?updated=1663358222" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Sell Our Rental Property? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

Selling a rental property,

What to do with cash on hand,

Using savings to pay off a mountain of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Sep 2022 21:48:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

Selling a rental property,

What to do with cash on hand,

Using savings to pay off a mountain of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Selling a rental property,</li>
<li>What to do with cash on hand,</li>
<li>Using savings to pay off a mountain of debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1c0c4c68-2e10-11ed-bd8d-d7e46523d0a6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8681229267.mp3?updated=1663278538" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Real Estate Investing As “Passive Income” Is a Myth! (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

The myth of "passive income" from no-money-down real estate investing,

The peace that life insurance can bring,

Applying for scholarships. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Sep 2022 20:50:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

The myth of "passive income" from no-money-down real estate investing,

The peace that life insurance can bring,

Applying for scholarships. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>The myth of "passive income" from no-money-down real estate investing,</li>
<li>The peace that life insurance can bring,</li>
<li>Applying for scholarships. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c600d988-2e0f-11ed-a787-ff6a85f99f19]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5177915765.mp3?updated=1663275127" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Having an Ethical Dilemma About Student Loan Forgiveness (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

Moving from credit cards to cash,

Should I apply for student loan forgiveness (an ethical dilemma)?

Missing out on the 401(k) match while paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 15 Sep 2022 19:53:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Kristina Ellis discuss:

Moving from credit cards to cash,

Should I apply for student loan forgiveness (an ethical dilemma)?

Missing out on the 401(k) match while paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Moving from credit cards to cash,</li>
<li>Should I apply for student loan forgiveness (an ethical dilemma)?</li>
<li>Missing out on the 401(k) match while paying off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[71db1468-2e0f-11ed-b8cf-9f510ffb83d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9490838007.mp3?updated=1663271367" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Shouldn’t I Invest Instead of Paying Off My House? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; Ken Coleman discuss:

Paying off the mortgage vs. investing,

Hesitancy to cut up credit cards and use only debit,

When it makes sense to buy a house,

Paying off credit card debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Sep 2022 21:41:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; Ken Coleman discuss:

Paying off the mortgage vs. investing,

Hesitancy to cut up credit cards and use only debit,

When it makes sense to buy a house,

Paying off credit card debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p><br></p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Paying off the mortgage vs. investing,</li>
<li>Hesitancy to cut up credit cards and use only debit,</li>
<li>When it makes sense to buy a house,</li>
<li>Paying off credit card debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1bf83eee-2e10-11ed-bd8d-f318d30c6e57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1768678731.mp3?updated=1663191999" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Term Life Insurance Do I Need? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

How much term life insurance you need,

Avoiding borrowing money for educational training,

Working through financial hardships.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Sep 2022 20:43:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

How much term life insurance you need,

Avoiding borrowing money for educational training,

Working through financial hardships.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How much term life insurance you need,</li>
<li>Avoiding borrowing money for educational training,</li>
<li>Working through financial hardships.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5e90326-2e0f-11ed-a787-77da521624f8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1665017123.mp3?updated=1663188093" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sell the Car… It’s Putting Your Family at Risk (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; Ken Coleman discuss:

Fear over investing in mutual funds vs. real estate,

What to do with a pension,

Dealing with finances after the death of a spouse,

Dealing with a stressful income situation,

Sometimes you just have to sell the car,


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 14 Sep 2022 19:42:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; Ken Coleman discuss:

Fear over investing in mutual funds vs. real estate,

What to do with a pension,

Dealing with finances after the death of a spouse,

Dealing with a stressful income situation,

Sometimes you just have to sell the car,


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p><br></p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Fear over investing in mutual funds vs. real estate,</li>
<li>What to do with a pension,</li>
<li>Dealing with finances after the death of a spouse,</li>
<li>Dealing with a stressful income situation,</li>
<li>Sometimes you just have to sell the car,</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[71c6e6dc-2e0f-11ed-b8cf-ab05cfa87cb1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9424989476.mp3?updated=1663184727" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We File Bankruptcy? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

Filing for bankruptcy,

Evaluating financial advice,

Keeping a day job vs. starting a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Sep 2022 21:33:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

Filing for bankruptcy,

Evaluating financial advice,

Keeping a day job vs. starting a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p><br></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Filing for bankruptcy,</li>
<li>Evaluating financial advice,</li>
<li>Keeping a day job vs. starting a business.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1be3ed2c-2e10-11ed-bd8d-1bd3a801c234]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6009860415.mp3?updated=1663104830" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Help Others With Money Problems (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

Helping others with money,

Selling your house when you move,

Being gifted money from a 529,

Managing an inherited 401(k),

Dealing with $900k of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Sep 2022 20:52:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

Helping others with money,

Selling your house when you move,

Being gifted money from a 529,

Managing an inherited 401(k),

Dealing with $900k of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p><br></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Helping others with money,</li>
<li>Selling your house when you move,</li>
<li>Being gifted money from a 529,</li>
<li>Managing an inherited 401(k),</li>
<li>Dealing with $900k of debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5d11054-2e0f-11ed-a787-9fc13e878295]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5465083033.mp3?updated=1663101928" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Have No Idea Where Our Money Is Going (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

How a recent widow can figure out what to do going forward,

Getting on a plan for managing your money,

What to do when you're upside down on a car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 13 Sep 2022 20:12:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey

Dave Ramsey &amp; George Kamel discuss:

How a recent widow can figure out what to do going forward,

Getting on a plan for managing your money,

What to do when you're upside down on a car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p><br></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How a recent widow can figure out what to do going forward,</li>
<li>Getting on a plan for managing your money,</li>
<li>What to do when you're upside down on a car.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[71b2d354-2e0f-11ed-b8cf-77203829271e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3944879693.mp3?updated=1663099393" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Cash Out My 401(k) To Pay Off Debt? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Encouraging a spouse to start a business,

Why Dave keeps working despite his net worth,

Cashing out a 401(k) to pay off debt,

Investing an inheritance vs. paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Sep 2022 21:31:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Encouraging a spouse to start a business,

Why Dave keeps working despite his net worth,

Cashing out a 401(k) to pay off debt,

Investing an inheritance vs. paying off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Encouraging a spouse to start a business,</li>
<li>Why Dave keeps working despite his net worth,</li>
<li>Cashing out a 401(k) to pay off debt,</li>
<li>Investing an inheritance vs. paying off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1bceda04-2e10-11ed-bd8d-efe76fd7662e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1121382680.mp3?updated=1663018459" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Upgrading Your Living Situation After Paying Off Debt (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Upgrading your living situation in baby step 4,

Buying a rental house,

Financially preparing for a parent's death,

Paying off debt after taking a serious hit on income. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Sep 2022 20:33:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Upgrading your living situation in baby step 4,

Buying a rental house,

Financially preparing for a parent's death,

Paying off debt after taking a serious hit on income. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Upgrading your living situation in baby step 4,</li>
<li>Buying a rental house,</li>
<li>Financially preparing for a parent's death,</li>
<li>Paying off debt after taking a serious hit on income. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5b8a42e-2e0f-11ed-a787-97690e4938b6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1005859415.mp3?updated=1663014985" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do I Need To Know Before I Build My First House? (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Why the baby steps apply in every situation,

Building a house,

100% commission jobs,

Caring for aging parents in retirement.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 12 Sep 2022 19:40:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Why the baby steps apply in every situation,

Building a house,

100% commission jobs,

Caring for aging parents in retirement.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Why the baby steps apply in every situation,</li>
<li>Building a house,</li>
<li>100% commission jobs,</li>
<li>Caring for aging parents in retirement.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[719e9600-2e0f-11ed-b8cf-a7b582cdaa37]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2778616945.mp3?updated=1663011825" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should I Spend on a Car? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

How much to spend on a car,

Being sued by a debt collector,

Cashing out retirement,

Saving or investing income.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Sep 2022 22:08:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

How much to spend on a car,

Being sued by a debt collector,

Cashing out retirement,

Saving or investing income.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>How much to spend on a car,</li>
<li>Being sued by a debt collector,</li>
<li>Cashing out retirement,</li>
<li>Saving or investing income.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4ce4c312-2b0c-11ed-abba-2b84e5c5129b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4681435849.mp3?updated=1662761513" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Keep Using My Credit Card? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

Paying off the house or investing,

Selling the house vs. renovating it,

529 questions,

Using a credit card to build credit,

Why you shouldn't combine finances with your boyfriend.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Sep 2022 21:02:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

Paying off the house or investing,

Selling the house vs. renovating it,

529 questions,

Using a credit card to build credit,

Why you shouldn't combine finances with your boyfriend.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Paying off the house or investing,</li>
<li>Selling the house vs. renovating it,</li>
<li>529 questions,</li>
<li>Using a credit card to build credit,</li>
<li>Why you shouldn't combine finances with your boyfriend.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b13f530a-2b0b-11ed-940d-5b3021368951]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4320742771.mp3?updated=1663094610" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get Out of Debt? (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

Challenges of running a side business,

Being conflicted about taking student loan forgiveness,

How an 18-year-old just getting started can get out of debt,

Balancing contentment and future goals.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 09 Sep 2022 20:28:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dr. John Delony &amp; George Kamel discuss:

Challenges of running a side business,

Being conflicted about taking student loan forgiveness,

How an 18-year-old just getting started can get out of debt,

Balancing contentment and future goals.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Challenges of running a side business,</li>
<li>Being conflicted about taking student loan forgiveness,</li>
<li>How an 18-year-old just getting started can get out of debt,</li>
<li>Balancing contentment and future goals.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a61cce6-2b09-11ed-9632-233496cd7599]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9385761604.mp3?updated=1662753917" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Help My Kids With Their Student Loans? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

Helping adult kids with their student loans,

Preparing to take over a family business,

Tithing vs. generosity,

Moving across the country.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Sep 2022 21:40:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

Helping adult kids with their student loans,

Preparing to take over a family business,

Tithing vs. generosity,

Moving across the country.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Helping adult kids with their student loans,</li>
<li>Preparing to take over a family business,</li>
<li>Tithing vs. generosity,</li>
<li>Moving across the country.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4cd59d1a-2b0c-11ed-abba-a39c57922991]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2968335092.mp3?updated=1662673553" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Start Building Wealth? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

How to build wealth,

Refinancing a house,

Being debt-free but still stressed out about money.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Sep 2022 20:29:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

How to build wealth,

Refinancing a house,

Being debt-free but still stressed out about money.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>How to build wealth,</li>
<li>Refinancing a house,</li>
<li>Being debt-free but still stressed out about money.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b1319648-2b0b-11ed-940d-8b6c39095d77]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8482051061.mp3?updated=1662669168" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave &amp; Rachel React to Stupid Instagram Advice (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

Gambling addictions,

Helping a parent with their estate,

Why borrowing money to invest is stupid (Dave rant).

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 08 Sep 2022 20:11:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Rachel Cruze discuss:

Gambling addictions,

Helping a parent with their estate,

Why borrowing money to invest is stupid (Dave rant).

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Gambling addictions,</li>
<li>Helping a parent with their estate,</li>
<li>Why borrowing money to invest is stupid (Dave rant).</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a547bcc-2b09-11ed-9632-275d7845c663]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7436806456.mp3?updated=1662667981" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Does the Debt Snowball Apply to My Situation? (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey
Dave Ramsey &amp; George Kamel discuss:

The debt snowball applied to rental properties,

Upgrading a home vs. moving,

Whether or not braces go in the debt snowball,

Using a HELOC to buy a rental property,

Preparing for life after college.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Sep 2022 21:45:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey
Dave Ramsey &amp; George Kamel discuss:

The debt snowball applied to rental properties,

Upgrading a home vs. moving,

Whether or not braces go in the debt snowball,

Using a HELOC to buy a rental property,

Preparing for life after college.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the Survey</a></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>The debt snowball applied to rental properties,</li>
<li>Upgrading a home vs. moving,</li>
<li>Whether or not braces go in the debt snowball,</li>
<li>Using a HELOC to buy a rental property,</li>
<li>Preparing for life after college.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4cc70782-2b0c-11ed-abba-e738cae1a375]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7731467744.mp3?updated=1662588691" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Is an Index Fund &amp; Should I Invest in One? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey

Dave Ramsey &amp; George Kamel discuss:

The futility of trying to change someone else's mind when they aren't willing to change,

How to build wealth with the baby steps,

What to do with an inheritance,

Index funds,

Avoiding loans for furthering education,

Pausing investing to prepare for a move.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Sep 2022 21:28:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey

Dave Ramsey &amp; George Kamel discuss:

The futility of trying to change someone else's mind when they aren't willing to change,

How to build wealth with the baby steps,

What to do with an inheritance,

Index funds,

Avoiding loans for furthering education,

Pausing investing to prepare for a move.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the Survey</a></p><p><br></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>The futility of trying to change someone else's mind when they aren't willing to change,</li>
<li>How to build wealth with the baby steps,</li>
<li>What to do with an inheritance,</li>
<li>Index funds,</li>
<li>Avoiding loans for furthering education,</li>
<li>Pausing investing to prepare for a move.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b122dacc-2b0b-11ed-940d-b3f72f339d0e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2394279343.mp3?updated=1662588666" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Stop Living Paycheck to Paycheck? (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey

Dave Ramsey &amp; George Kamel discuss:

Paying off your debt more quickly,

Converting a traditional retirement account to a Roth,

What to do with profit from selling a property,

Getting on track after living paycheck to paycheck,

How to use increased income,

Why indexed universal life insurance sucks.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 07 Sep 2022 21:24:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the Survey

Dave Ramsey &amp; George Kamel discuss:

Paying off your debt more quickly,

Converting a traditional retirement account to a Roth,

What to do with profit from selling a property,

Getting on track after living paycheck to paycheck,

How to use increased income,

Why indexed universal life insurance sucks.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the Survey</a></p><p><br></p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Paying off your debt more quickly,</li>
<li>Converting a traditional retirement account to a Roth,</li>
<li>What to do with profit from selling a property,</li>
<li>Getting on track after living paycheck to paycheck,</li>
<li>How to use increased income,</li>
<li>Why indexed universal life insurance sucks.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a46ccca-2b09-11ed-9632-5f20b14b998a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1091491199.mp3?updated=1662588662" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Changing Your Life Requires Real Behavior Change (Hour 3)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

How to encourage your spouse to pursue their dreams,

Max Lucado's new book - Help Is Here: Finding Fresh Strength and Purpose in the Power of the Holy Spirit,

Breaking free from student loans,

The behavior change it takes to become debt free,

Purchasing rental property the smart way.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Sep 2022 21:44:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

How to encourage your spouse to pursue their dreams,

Max Lucado's new book - Help Is Here: Finding Fresh Strength and Purpose in the Power of the Holy Spirit,

Breaking free from student loans,

The behavior change it takes to become debt free,

Purchasing rental property the smart way.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to encourage your spouse to pursue their dreams,</li>
<li>Max Lucado's new book - Help Is Here: Finding Fresh Strength and Purpose in the Power of the Holy Spirit,</li>
<li>Breaking free from student loans,</li>
<li>The behavior change it takes to become debt free,</li>
<li>Purchasing rental property the smart way.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4cb7ec8e-2b0c-11ed-abba-df5ead31138b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6783359843.mp3?updated=1662588662" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Is The Most Recent Jobs Report Really Telling You? (Hour 2)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Upgrading your living situation,

The current job market,

Not having half your annual income in depreciating assets.

How much you should be investing.

Paying off mortgages quickly. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Sep 2022 21:14:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Upgrading your living situation,

The current job market,

Not having half your annual income in depreciating assets.

How much you should be investing.

Paying off mortgages quickly. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Upgrading your living situation,</li>
<li>The current job market,</li>
<li>Not having half your annual income in depreciating assets.</li>
<li>How much you should be investing.</li>
<li>Paying off mortgages quickly. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b113fec6-2b0b-11ed-940d-771aef1e0929]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2946803846.mp3?updated=1662588668" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Give You the Recipe To Win, All You Have To Do Is Follow It! (Hour 1)</title>
      <description>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Planning for an upcoming baby,

Things to consider when building a house,

Am I being scammed,

When to invest in a 401k.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 06 Sep 2022 20:01:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: Click here to take the survey
 
Dave Ramsey &amp; Ken Coleman discuss:

Planning for an upcoming baby,

Things to consider when building a house,

Am I being scammed,

When to invest in a 401k.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take our Audience Survey &amp; Enter to Win a $500 Visa Gift Card: <a href="https://survey.alchemer.com/s3/6983813/ab387d0370b6">Click here to take the survey</a></p><p> </p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Planning for an upcoming baby,</li>
<li>Things to consider when building a house,</li>
<li>Am I being scammed,</li>
<li>When to invest in a 401k.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a3942a8-2b09-11ed-9632-e3eb345125c3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9157354354.mp3?updated=1662588668" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Invest? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Investing in the stock market,

Making up for money mistakes in marriage,

Selling a home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Sep 2022 21:41:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Investing in the stock market,

Making up for money mistakes in marriage,

Selling a home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Investing in the stock market,</li>
<li>Making up for money mistakes in marriage,</li>
<li>Selling a home.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2585</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4ca89202-2b0c-11ed-abba-27d2c9eedc4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1536994984.mp3?updated=1662414321" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get on the Same Page With My Boyfriend? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Being on the same page financially with a significant other,

Tithing in baby step 2,

Keeping a current home as a rental property.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Sep 2022 20:40:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Being on the same page financially with a significant other,

Tithing in baby step 2,

Keeping a current home as a rental property.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Being on the same page financially with a significant other,</li>
<li>Tithing in baby step 2,</li>
<li>Keeping a current home as a rental property.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b1059eee-2b0b-11ed-940d-1b434d3ca4c0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5569234262.mp3?updated=1662410646" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pull Money From My 401(k) &amp; Start a Roth? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Committing to contract work,

Dealing with debt collectors,

Pulling money from a 401(k) to a Roth.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 05 Sep 2022 20:35:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Committing to contract work,

Dealing with debt collectors,

Pulling money from a 401(k) to a Roth.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Committing to contract work,</li>
<li>Dealing with debt collectors,</li>
<li>Pulling money from a 401(k) to a Roth.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a2bc59c-2b09-11ed-9632-e3256fee0026]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1661817810.mp3?updated=1662410058" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the First Step in Paying Off Debt? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Paying off debt while in college,

Avoiding borrowing money for an engagement ring,

What to do when you hate your job,

Preparing to take over a business,

Paying off the house or renovating.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Sep 2022 22:02:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Paying off debt while in college,

Avoiding borrowing money for an engagement ring,

What to do when you hate your job,

Preparing to take over a business,

Paying off the house or renovating.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Paying off debt while in college,</li>
<li>Avoiding borrowing money for an engagement ring,</li>
<li>What to do when you hate your job,</li>
<li>Preparing to take over a business,</li>
<li>Paying off the house or renovating.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a7762ba-1b53-11ed-a9a4-cf97e23ff012]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8130289876.mp3?updated=1662156284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Buffer Do We Need When Budgeting? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Paying off a home vs. starting a business,

Preparing to move out of your parents' house,

Why you should pay off your debt smallest to largest,

The danger of comparison.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Sep 2022 21:17:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Paying off a home vs. starting a business,

Preparing to move out of your parents' house,

Why you should pay off your debt smallest to largest,

The danger of comparison.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Paying off a home vs. starting a business,</li>
<li>Preparing to move out of your parents' house,</li>
<li>Why you should pay off your debt smallest to largest,</li>
<li>The danger of comparison.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f35593fe-1b51-11ed-afdd-2b3d2bff8a76]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9032857036.mp3?updated=1663093801" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Giant Car Payment Isn’t Impressing Anybody (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

How to get your credit score to go to zero,

If and when you need a prenup,

Getting control of debt,

Why you shouldn't brag about your huge car payment (TikTok reaction),

Selling a car vs. paying it off.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Fri, 02 Sep 2022 19:56:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

How to get your credit score to go to zero,

If and when you need a prenup,

Getting control of debt,

Why you shouldn't brag about your huge car payment (TikTok reaction),

Selling a car vs. paying it off.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>How to get your credit score to go to zero,</li>
<li>If and when you need a prenup,</li>
<li>Getting control of debt,</li>
<li>Why you shouldn't brag about your huge car payment (TikTok reaction),</li>
<li>Selling a car vs. paying it off.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f09c6cf2-1b4f-11ed-b206-7bdb04a96fd4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2622251525.mp3?updated=1662148747" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Actually Caused Inflation &amp; Why the Fed Is Screwing It Up (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

What actually caused inflation and why the Fed is screwing it up even more,

How to get out of an upside down vehicle,

Buying vs. renting a home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Sep 2022 21:44:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

What actually caused inflation and why the Fed is screwing it up even more,

How to get out of an upside down vehicle,

Buying vs. renting a home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>What actually caused inflation and why the Fed is screwing it up even more,</li>
<li>How to get out of an upside down vehicle,</li>
<li>Buying vs. renting a home.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a68fb12-1b53-11ed-a9a4-6fbc464d4cf2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8897850652.mp3?updated=1662068857" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Happens When You Let Family Borrow Money (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Buying employer stock options,

Converting a traditional IRA into a Roth,

Why you shouldn't let family borrow money,

Buying a truck with profits from a home sale.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Sep 2022 20:45:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Buying employer stock options,

Converting a traditional IRA into a Roth,

Why you shouldn't let family borrow money,

Buying a truck with profits from a home sale.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Buying employer stock options,</li>
<li>Converting a traditional IRA into a Roth,</li>
<li>Why you shouldn't let family borrow money,</li>
<li>Buying a truck with profits from a home sale.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f346f7ae-1b51-11ed-afdd-8f6a32ef317f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9479759332.mp3?updated=1662065171" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Rebuilding Trust After Financial Infidelity (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Rebuilding trust after financial infidelity,

How to invest $2.5m.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 01 Sep 2022 20:08:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Rebuilding trust after financial infidelity,

How to invest $2.5m.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Rebuilding trust after financial infidelity,</li>
<li>How to invest $2.5m.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f08e3ef2-1b4f-11ed-b206-7f6c37de699f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8565116468.mp3?updated=1662063073" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Want To Become a Millionaire? Here’s How (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they really built their wealth.

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 Aug 2022 21:42:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they really built their wealth.

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they really built their wealth.</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4a59d13c-1b53-11ed-a9a4-d7d2d4f51f73]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2185554422.mp3?updated=1661982387" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Should I Go Full-Time With My Side Hustle? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Accepting a gift that would pay off debt,

Going full-time with your side hustle,

Buying a car after getting laid off,

Is $1.5m in real estate debt worth the risk?


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 Aug 2022 20:54:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Accepting a gift that would pay off debt,

Going full-time with your side hustle,

Buying a car after getting laid off,

Is $1.5m in real estate debt worth the risk?


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Accepting a gift that would pay off debt,</li>
<li>Going full-time with your side hustle,</li>
<li>Buying a car after getting laid off,</li>
<li>Is $1.5m in real estate debt worth the risk?</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f338fdac-1b51-11ed-afdd-9f0e3fa3fba8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4821645123.mp3?updated=1661979490" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Budget on a Variable Income (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

What to look for in a new career,

What to do when you don't get the raise you were promised,

Preparing to live with a roommate,

How to budget on a fluctuating income.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 31 Aug 2022 20:11:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

What to look for in a new career,

What to do when you don't get the raise you were promised,

Preparing to live with a roommate,

How to budget on a fluctuating income.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>What to look for in a new career,</li>
<li>What to do when you don't get the raise you were promised,</li>
<li>Preparing to live with a roommate,</li>
<li>How to budget on a fluctuating income.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f0803334-1b4f-11ed-b206-3fb1c536fda6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2298977984.mp3?updated=1661976899" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave &amp; George Answer Your Small Business Questions (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss small business questions in an EntreLeadership Theme Hour:

Getting buy-in from employees on your company's core values,

The challenge of hiring with high wages,

How much to pay yourself when you own a business,

Investing extra cash in your team.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 Aug 2022 21:49:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss small business questions in an EntreLeadership Theme Hour:

Getting buy-in from employees on your company's core values,

The challenge of hiring with high wages,

How much to pay yourself when you own a business,

Investing extra cash in your team.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss small business questions in an EntreLeadership Theme Hour:</p><ul>
<li>Getting buy-in from employees on your company's core values,</li>
<li>The challenge of hiring with high wages,</li>
<li>How much to pay yourself when you own a business,</li>
<li>Investing extra cash in your team.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a4aa0ae-1b53-11ed-a9a4-53dcb2235ba4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8275696569.mp3?updated=1661896354" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Avoiding a Toxic Family Housing Situation (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Investing vs. saving up for a house,

Avoiding a toxic family housing situation,

When to increase disability coverage,

The immorality of student loan forgiveness,

How to save for kids college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 Aug 2022 20:43:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Investing vs. saving up for a house,

Avoiding a toxic family housing situation,

When to increase disability coverage,

The immorality of student loan forgiveness,

How to save for kids college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Investing vs. saving up for a house,</li>
<li>Avoiding a toxic family housing situation,</li>
<li>When to increase disability coverage,</li>
<li>The immorality of student loan forgiveness,</li>
<li>How to save for kids college.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f32a9424-1b51-11ed-afdd-af29ffbd0ef0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2507771342.mp3?updated=1661892324" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Graham Stephan on Real Estate, Investing &amp; Living Below Your Means (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to invest in real estate and not be house poor,

Setting up a will,

Real estate, investing, &amp; living on less than you make, with real estate investor &amp; YouTube business personality, Graham Stephan,

Getting a spouse on board with the baby steps.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Tue, 30 Aug 2022 19:33:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to invest in real estate and not be house poor,

Setting up a will,

Real estate, investing, &amp; living on less than you make, with real estate investor &amp; YouTube business personality, Graham Stephan,

Getting a spouse on board with the baby steps.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to invest in real estate and not be house poor,</li>
<li>Setting up a will,</li>
<li>Real estate, investing, &amp; living on less than you make, with real estate investor &amp; YouTube business personality, Graham Stephan,</li>
<li>Getting a spouse on board with the baby steps.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0718cd0-1b4f-11ed-b206-5b468953b7be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1803158030.mp3?updated=1661888186" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Keep Our Costco Credit Card? (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Buying a new home and keeping the old one as a rental property,

Why you shouldn't keep a Costco credit card for the cashback,

How to get an ex's name off a deed,

Horror stories from people with student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 Aug 2022 21:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Buying a new home and keeping the old one as a rental property,

Why you shouldn't keep a Costco credit card for the cashback,

How to get an ex's name off a deed,

Horror stories from people with student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Buying a new home and keeping the old one as a rental property,</li>
<li>Why you shouldn't keep a Costco credit card for the cashback,</li>
<li>How to get an ex's name off a deed,</li>
<li>Horror stories from people with student loans.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4a3b7a02-1b53-11ed-a9a4-b7d2e546d2ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4128747213.mp3?updated=1661809102" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Need a Plan for Your Money (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

How to best save for college,

Applying for scholarships later in life,

Selling your home,

Advising family on their money situations,

What to do with an old 401(k).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 Aug 2022 21:09:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

How to best save for college,

Applying for scholarships later in life,

Selling your home,

Advising family on their money situations,

What to do with an old 401(k).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>How to best save for college,</li>
<li>Applying for scholarships later in life,</li>
<li>Selling your home,</li>
<li>Advising family on their money situations,</li>
<li>What to do with an old 401(k).</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f31ad4f8-1b51-11ed-afdd-4fc31a529350]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4882566493.mp3?updated=1661807616" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Student Loan Forgiveness Updates (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

A recap of the latest facts on student loan forgiveness,

Paying for medical school without debt,

Looking for a higher-paying job,

How much life insurance you need,

Preparing for retirement,

How to best use an inheritance.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 29 Aug 2022 19:45:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

A recap of the latest facts on student loan forgiveness,

Paying for medical school without debt,

Looking for a higher-paying job,

How much life insurance you need,

Preparing for retirement,

How to best use an inheritance.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>A recap of the latest facts on student loan forgiveness,</li>
<li>Paying for medical school without debt,</li>
<li>Looking for a higher-paying job,</li>
<li>How much life insurance you need,</li>
<li>Preparing for retirement,</li>
<li>How to best use an inheritance.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f0630778-1b4f-11ed-b206-83338289e8e4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5492559706.mp3?updated=1661802116" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Balancing Saving Money &amp; Enjoying Life (Hour 3)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Balancing saving and enjoying life,

What to do with a HELOC,

Disagreeing with a spouse on money,

Paying to get certified in a side hustle.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 26 Aug 2022 21:45:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Balancing saving and enjoying life,

What to do with a HELOC,

Disagreeing with a spouse on money,

Paying to get certified in a side hustle.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Balancing saving and enjoying life,</li>
<li>What to do with a HELOC,</li>
<li>Disagreeing with a spouse on money,</li>
<li>Paying to get certified in a side hustle.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a2c6882-1b53-11ed-a9a4-132337a31df6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7441818513.mp3?updated=1661550520" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Apply for Student Loan Forgiveness? (Hour 2)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

Digging out of debt after falling for a money trend #vanlife,

How to get manually underwritten for a mortgage,

Knowing how much house to buy,

Avoiding continually dipping into the emergency fund,

Whether or not to apply for student loan forgiveness,

Recommended leadership books. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 26 Aug 2022 20:43:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

Digging out of debt after falling for a money trend #vanlife,

How to get manually underwritten for a mortgage,

Knowing how much house to buy,

Avoiding continually dipping into the emergency fund,

Whether or not to apply for student loan forgiveness,

Recommended leadership books. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>Digging out of debt after falling for a money trend #vanlife,</li>
<li>How to get manually underwritten for a mortgage,</li>
<li>Knowing how much house to buy,</li>
<li>Avoiding continually dipping into the emergency fund,</li>
<li>Whether or not to apply for student loan forgiveness,</li>
<li>Recommended leadership books. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f30ce47e-1b51-11ed-afdd-1389cbb3b9a7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2087645074.mp3?updated=1661546739" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Problem With Investing Culture Trends (Hour 1)</title>
      <description>George Kamel &amp; Rachel Cruze discuss:

How to save for kids college,

What to do after moving out of your parents' house,

How sinking funds work,

The danger of investing culture,

Preparing for retirement early in life.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 26 Aug 2022 19:58:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:

How to save for kids college,

What to do after moving out of your parents' house,

How sinking funds work,

The danger of investing culture,

Preparing for retirement early in life.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p><ul>
<li>How to save for kids college,</li>
<li>What to do after moving out of your parents' house,</li>
<li>How sinking funds work,</li>
<li>The danger of investing culture,</li>
<li>Preparing for retirement early in life.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f0551834-1b4f-11ed-b206-b3dd951b236b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6079598806.mp3?updated=1661544133" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Save for Retirement? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Types of term life insurance,

How to choose where to live during retirement,

The best retirement savings options,

When to know when to move up in house.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 Aug 2022 22:10:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Types of term life insurance,

How to choose where to live during retirement,

The best retirement savings options,

When to know when to move up in house.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Types of term life insurance,</li>
<li>How to choose where to live during retirement,</li>
<li>The best retirement savings options,</li>
<li>When to know when to move up in house.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4a1d64e0-1b53-11ed-a9a4-535d5ff59a2c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1822794865.mp3?updated=1661464311" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Hedge Against Inflation? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

What it means to have a hedge against inflation,

How to manage an inherited 401(k),

Moving 529s from person to person,

The best thing to do before going back to school.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 Aug 2022 21:30:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

What it means to have a hedge against inflation,

How to manage an inherited 401(k),

Moving 529s from person to person,

The best thing to do before going back to school.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>What it means to have a hedge against inflation,</li>
<li>How to manage an inherited 401(k),</li>
<li>Moving 529s from person to person,</li>
<li>The best thing to do before going back to school.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f2ff395a-1b51-11ed-afdd-677d64331693]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7693751018.mp3?updated=1661463304" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Student Loan Forgiveness Is a Hot Mess (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

The ambiguity of the student loan forgiveness announcement,

If you should take a refund on student loans you've already paid back,

Dealing with bills in collections.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 25 Aug 2022 19:38:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

The ambiguity of the student loan forgiveness announcement,

If you should take a refund on student loans you've already paid back,

Dealing with bills in collections.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>The ambiguity of the student loan forgiveness announcement,</li>
<li>If you should take a refund on student loans you've already paid back,</li>
<li>Dealing with bills in collections.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f046b64a-1b4f-11ed-b206-f7c28de9b680]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5898265529.mp3?updated=1661456533" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is My Fiancée Being an Entitled Princess About Our Wedding Budget? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with an entitled fiancee who wants her dream wedding,

Pulling from retirement to pay off debt,

Roth vs. cash management accounts,

Spending $25k on a vacation,

When to pull from social security.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 Aug 2022 22:00:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with an entitled fiancee who wants her dream wedding,

Pulling from retirement to pay off debt,

Roth vs. cash management accounts,

Spending $25k on a vacation,

When to pull from social security.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Dealing with an entitled fiancee who wants her dream wedding,</li>
<li>Pulling from retirement to pay off debt,</li>
<li>Roth vs. cash management accounts,</li>
<li>Spending $25k on a vacation,</li>
<li>When to pull from social security.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4a0e8542-1b53-11ed-a9a4-d7f39adeca3c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2229237740.mp3?updated=1661378494" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should I Choose a Retirement Option? (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Being sued by a payday lender,

What questions to ask when making a will,

How to choose a retirement plan,

Why you shouldn't lend money to family (or anyone else),

Whether or not to wait on student loan forgiveness to kick in.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 Aug 2022 20:59:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Being sued by a payday lender,

What questions to ask when making a will,

How to choose a retirement plan,

Why you shouldn't lend money to family (or anyone else),

Whether or not to wait on student loan forgiveness to kick in.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Being sued by a payday lender,</li>
<li>What questions to ask when making a will,</li>
<li>How to choose a retirement plan,</li>
<li>Why you shouldn't lend money to family (or anyone else),</li>
<li>Whether or not to wait on student loan forgiveness to kick in.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f2f13c60-1b51-11ed-afdd-dff8ad864372]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6307364051.mp3?updated=1661374757" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Ramsey Show Reacts To Student Loan Forgiveness (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

The Student Loan Forgiveness announcement,

How to find a good deal on real estate investments,

Managing a life insurance payout,

Navigating credit scores after paying off debt,

How to decide if you should sell your house to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 24 Aug 2022 20:57:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

The Student Loan Forgiveness announcement,

How to find a good deal on real estate investments,

Managing a life insurance payout,

Navigating credit scores after paying off debt,

How to decide if you should sell your house to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>The Student Loan Forgiveness announcement,</li>
<li>How to find a good deal on real estate investments,</li>
<li>Managing a life insurance payout,</li>
<li>Navigating credit scores after paying off debt,</li>
<li>How to decide if you should sell your house to pay off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f037fa10-1b4f-11ed-b206-2fbd6a3022de]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5945512826.mp3?updated=1661374861" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Balancing Being Intentional and Enjoying Money (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with a toxic family situation

Accepting a promotion to CEO,

Balancing intentionality and enjoyment.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 23 Aug 2022 21:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Dealing with a toxic family situation

Accepting a promotion to CEO,

Balancing intentionality and enjoyment.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Dealing with a toxic family situation</li>
<li>Accepting a promotion to CEO,</li>
<li>Balancing intentionality and enjoyment.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[49ff910e-1b53-11ed-a9a4-77c5978fe416]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8559259700.mp3?updated=1661290502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing with Family Drama &amp; Dysfunction (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Convoluted family inheritance drama,

More family drama &amp; dysfunction,

The struggle that the "sandwich generation" faces,

Rolling a TSP into a 401(k),

The fear of being house-poor.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 23 Aug 2022 20:50:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Convoluted family inheritance drama,

More family drama &amp; dysfunction,

The struggle that the "sandwich generation" faces,

Rolling a TSP into a 401(k),

The fear of being house-poor.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Convoluted family inheritance drama,</li>
<li>More family drama &amp; dysfunction,</li>
<li>The struggle that the "sandwich generation" faces,</li>
<li>Rolling a TSP into a 401(k),</li>
<li>The fear of being house-poor.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f2e34696-1b51-11ed-afdd-abe9b176c9c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4798639759.mp3?updated=1661287373" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My House Is Being Foreclosed On (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

What to do when your house is being foreclosed on,

Dealing with liens on property,

How long to live with your parents,

Whether or not suit settlement money is considered taxable.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 23 Aug 2022 19:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

What to do when your house is being foreclosed on,

Dealing with liens on property,

How long to live with your parents,

Whether or not suit settlement money is considered taxable.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>What to do when your house is being foreclosed on,</li>
<li>Dealing with liens on property,</li>
<li>How long to live with your parents,</li>
<li>Whether or not suit settlement money is considered taxable.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f02952f8-1b4f-11ed-b206-436360b59749]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2894242916.mp3?updated=1661283451" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have a Moral Dilemma With My Career (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Dealing with moral conflicts in a career,

Whether or not to quit college,

How to pull money from a 529,

College vs. apprenticeships.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 Aug 2022 22:03:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Dealing with moral conflicts in a career,

Whether or not to quit college,

How to pull money from a 529,

College vs. apprenticeships.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Dealing with moral conflicts in a career,</li>
<li>Whether or not to quit college,</li>
<li>How to pull money from a 529,</li>
<li>College vs. apprenticeships.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[49f066a2-1b53-11ed-a9a4-f7b59f9b1f8a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6317430275.mp3?updated=1661205874" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With Home Repairs While Paying Off Debt (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

What to do when you're stuck in your career,

How to think through home repairs in baby step 2,

Paying off student loans quickly,

Whether or not to buy a new car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 Aug 2022 21:29:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

What to do when you're stuck in your career,

How to think through home repairs in baby step 2,

Paying off student loans quickly,

Whether or not to buy a new car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>What to do when you're stuck in your career,</li>
<li>How to think through home repairs in baby step 2,</li>
<li>Paying off student loans quickly,</li>
<li>Whether or not to buy a new car.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f2d4a000-1b51-11ed-afdd-a74e8d322271]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2779972194.mp3?updated=1661202771" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Try To Time the Market! (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Finding a job you love,

Dealing with bankruptcy,

Saving in a money market.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 22 Aug 2022 20:55:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Finding a job you love,

Dealing with bankruptcy,

Saving in a money market.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Finding a job you love,</li>
<li>Dealing with bankruptcy,</li>
<li>Saving in a money market.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f01af992-1b4f-11ed-b206-1f5ba4079ea2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3067647822.mp3?updated=1661197375" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I “Need” To Buy a New Car (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

What to do when you lose passion for your career,

Why you shouldn't finance or lease a car,

The bigger marriage issues that often underly money problems,

Tiffany Haddish's decision to pay off her house,

Setting boundaries without feeling guilty.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 19 Aug 2022 21:52:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

What to do when you lose passion for your career,

Why you shouldn't finance or lease a car,

The bigger marriage issues that often underly money problems,

Tiffany Haddish's decision to pay off her house,

Setting boundaries without feeling guilty.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>What to do when you lose passion for your career,</li>
<li>Why you shouldn't finance or lease a car,</li>
<li>The bigger marriage issues that often underly money problems,</li>
<li>Tiffany Haddish's decision to pay off her house,</li>
<li>Setting boundaries without feeling guilty.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a07f5472-19c5-11ed-8a6b-e3c67bb04e62]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2173393827.mp3?updated=1660945420" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Be Intentional With Your Time and Your Money (Hour 2)</title>
      <description>John Delony &amp; Rachel Cruze discuss:

Going into debt to buy out your ex,

Saving for baby or a house,

Managing a larger income,

Dealing with loneliness after divorce,


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 19 Aug 2022 21:51:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>John Delony &amp; Rachel Cruze discuss:

Going into debt to buy out your ex,

Saving for baby or a house,

Managing a larger income,

Dealing with loneliness after divorce,


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Going into debt to buy out your ex,</li>
<li>Saving for baby or a house,</li>
<li>Managing a larger income,</li>
<li>Dealing with loneliness after divorce,</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2562</itunes:duration>
      <guid isPermaLink="false"><![CDATA[50c6e8b4-19c5-11ed-ad62-073718b92584]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8059125218.mp3?updated=1660945341" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Talk to My Spouse About Money? (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Talking to your spouse about finances,

Knowing when it's time to move (out of California),

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 19 Aug 2022 19:43:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Talking to your spouse about finances,

Knowing when it's time to move (out of California),

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Talking to your spouse about finances,</li>
<li>Knowing when it's time to move (out of California),</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc369ee8-19c4-11ed-ac7e-dfcb06bbb765]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3349306518.mp3?updated=1660938361" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dude, You Need To Paint or Get off the Ladder! (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Why marriage is statistically economically advantageous,

Factors that contribute to financial prosperity and marriage stability,

What to do after selling property.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 Aug 2022 21:38:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Why marriage is statistically economically advantageous,

Factors that contribute to financial prosperity and marriage stability,

What to do after selling property.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Why marriage is statistically economically advantageous,</li>
<li>Factors that contribute to financial prosperity and marriage stability,</li>
<li>What to do after selling property.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a06b2d12-19c5-11ed-8a6b-472f103f0230]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8166211258.mp3?updated=1660858894" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When You Have No Debt Your Swagger Changes! (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Using savings to pay off a house,

Letting a child access a large sum of money gifted to them,

Preparing for a lower-paying job,

Getting ready to have triplets.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 Aug 2022 20:43:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Using savings to pay off a house,

Letting a child access a large sum of money gifted to them,

Preparing for a lower-paying job,

Getting ready to have triplets.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Using savings to pay off a house,</li>
<li>Letting a child access a large sum of money gifted to them,</li>
<li>Preparing for a lower-paying job,</li>
<li>Getting ready to have triplets.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[50ae8f44-19c5-11ed-ad62-ebba27b9e288]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3574701245.mp3?updated=1660855674" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have No Retirement, $50k in Debt, &amp; I Want a Divorce (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Struggling in a failing marriage with debt and no retirement,

Buying a home through your employer,

How lending clubs are screwing people,

Budgeting for a spouse to stay at home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 18 Aug 2022 19:31:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Struggling in a failing marriage with debt and no retirement,

Buying a home through your employer,

How lending clubs are screwing people,

Budgeting for a spouse to stay at home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Struggling in a failing marriage with debt and no retirement,</li>
<li>Buying a home through your employer,</li>
<li>How lending clubs are screwing people,</li>
<li>Budgeting for a spouse to stay at home.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc1ddfca-19c4-11ed-ac7e-bfc0ae376c01]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6935451468.mp3?updated=1660851200" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m a Pastor With $175K in Student Loan Debt (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

How to go to medical school without debt,

Avoiding debt even when you don't have much money,

What baby step 3b looks like when building a house,

Digging out of $175k of student loan debt (for ministry).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 Aug 2022 21:41:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

How to go to medical school without debt,

Avoiding debt even when you don't have much money,

What baby step 3b looks like when building a house,

Digging out of $175k of student loan debt (for ministry).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>How to go to medical school without debt,</li>
<li>Avoiding debt even when you don't have much money,</li>
<li>What baby step 3b looks like when building a house,</li>
<li>Digging out of $175k of student loan debt (for ministry).</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a057400e-19c5-11ed-8a6b-dfccb604194b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5703283076.mp3?updated=1660772695" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Drive Like No One Else So Later You Can Drive Like No One Else (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why saving for college is part of the Ramsey baby steps,

Avoiding student loans,

Repairing a car vs. replacing it.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 Aug 2022 21:06:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why saving for college is part of the Ramsey baby steps,

Avoiding student loans,

Repairing a car vs. replacing it.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why saving for college is part of the Ramsey baby steps,</li>
<li>Avoiding student loans,</li>
<li>Repairing a car vs. replacing it.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[5095e638-19c5-11ed-ad62-bf23c25a2419]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2266445802.mp3?updated=1660770323" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Borrowing Money To Avoid Paying Taxes is Stupid! (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

How to get your finances under control,

The stupidity of borrowing money to avoid paying taxes,

Why you shouldn't buy a house with someone you're not married to,

Where student loan debt goes in the baby steps.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Wed, 17 Aug 2022 19:58:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

How to get your finances under control,

The stupidity of borrowing money to avoid paying taxes,

Why you shouldn't buy a house with someone you're not married to,

Where student loan debt goes in the baby steps.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>How to get your finances under control,</li>
<li>The stupidity of borrowing money to avoid paying taxes,</li>
<li>Why you shouldn't buy a house with someone you're not married to,</li>
<li>Where student loan debt goes in the baby steps.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc054ab4-19c4-11ed-ac7e-a3d5a993553a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2819270883.mp3?updated=1660766500" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Anyone in America Can Become a Millionaire (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Diversifying investments outside of a 401(k),

Dealing with an inheritance scam,

Avoiding borrowing money to start a business,

How a postal worker became a millionaire,

Deciding when it's time to sell a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 16 Aug 2022 21:51:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Diversifying investments outside of a 401(k),

Dealing with an inheritance scam,

Avoiding borrowing money to start a business,

How a postal worker became a millionaire,

Deciding when it's time to sell a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Diversifying investments outside of a 401(k),</li>
<li>Dealing with an inheritance scam,</li>
<li>Avoiding borrowing money to start a business,</li>
<li>How a postal worker became a millionaire,</li>
<li>Deciding when it's time to sell a car.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a0439aae-19c5-11ed-8a6b-bb5dff378820]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3699722402.mp3?updated=1660686374" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Bouncing Back After a Felony Conviction (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

When it's worth getting a financial coach,

Things to consider before changing careers,

Using a unified managed account,

Selling cars to get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 16 Aug 2022 21:07:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

When it's worth getting a financial coach,

Things to consider before changing careers,

Using a unified managed account,

Selling cars to get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>When it's worth getting a financial coach,</li>
<li>Things to consider before changing careers,</li>
<li>Using a unified managed account,</li>
<li>Selling cars to get out of debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[507db13a-19c5-11ed-ad62-23926a05c52d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8316535379.mp3?updated=1660683929" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Possible To Start a Business Debt-Free? (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Starting a debt-free business,

Disagreeing about what to do with a property,

Preparing financially to switch careers,

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 16 Aug 2022 20:00:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Starting a debt-free business,

Disagreeing about what to do with a property,

Preparing financially to switch careers,

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Starting a debt-free business,</li>
<li>Disagreeing about what to do with a property,</li>
<li>Preparing financially to switch careers,</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fbec4db6-19c4-11ed-ac7e-173eaae123fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3164345783.mp3?updated=1660680236" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Evict Family Members? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

The power of fathers with Dr. Meg Meeker,

Dealing with tenants who need to be evicted,

What to do with a pension.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 15 Aug 2022 21:51:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

The power of fathers with Dr. Meg Meeker,

Dealing with tenants who need to be evicted,

What to do with a pension.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>The power of fathers with Dr. Meg Meeker,</li>
<li>Dealing with tenants who need to be evicted,</li>
<li>What to do with a pension.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a02f98ec-19c5-11ed-8a6b-2be3a0ea4230]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4012452854.mp3?updated=1660600489" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Doesn’t Qualify for Life Insurance (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

What to do when you can't qualify for life insurance,

Saving money in a money market,

The pros and cons of self-employment.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 15 Aug 2022 20:50:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

What to do when you can't qualify for life insurance,

Saving money in a money market,

The pros and cons of self-employment.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>What to do when you can't qualify for life insurance,</li>
<li>Saving money in a money market,</li>
<li>The pros and cons of self-employment.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <guid isPermaLink="false"><![CDATA[506565bc-19c5-11ed-ad62-3b8f9a4e3581]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4564411513.mp3?updated=1660596953" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Save Up for a House? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to save more for a house,

How someone can make tens of millions of dollars,

How to think through moving for a girlfriend,

Saving for kids college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 15 Aug 2022 19:38:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to save more for a house,

How someone can make tens of millions of dollars,

How to think through moving for a girlfriend,

Saving for kids college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to save more for a house,</li>
<li>How someone can make tens of millions of dollars,</li>
<li>How to think through moving for a girlfriend,</li>
<li>Saving for kids college.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fbd3739a-19c4-11ed-ac7e-770660799550]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5858036118.mp3?updated=1660592503" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With a Stolen Identity (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Finding out how much you owe on a debt,

Moving for an internship,

Dealing with a stolen identity,

The best way to buy a car right now.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 12 Aug 2022 21:36:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Finding out how much you owe on a debt,

Moving for an internship,

Dealing with a stolen identity,

The best way to buy a car right now.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Finding out how much you owe on a debt,</li>
<li>Moving for an internship,</li>
<li>Dealing with a stolen identity,</li>
<li>The best way to buy a car right now.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d27e6e20-14d1-11ed-9b9c-db81eff2d586]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5243553908.mp3?updated=1660340082" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy a House or Keep Renting? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Buying a house that you've been renting,

Going back to school for a MBA,

Paying off student loans vs. buying a house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 12 Aug 2022 20:50:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Buying a house that you've been renting,

Going back to school for a MBA,

Paying off student loans vs. buying a house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Buying a house that you've been renting,</li>
<li>Going back to school for a MBA,</li>
<li>Paying off student loans vs. buying a house.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[675a7e04-14d1-11ed-ae31-737c4f2fc3e6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4293644645.mp3?updated=1660337652" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Help Without Enabling? (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Counseling young family members after a tragic death,

How to help without enabling,

Planning for the future,

How to improve your budget.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 12 Aug 2022 20:41:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Counseling young family members after a tragic death,

How to help without enabling,

Planning for the future,

How to improve your budget.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Counseling young family members after a tragic death,</li>
<li>How to help without enabling,</li>
<li>Planning for the future,</li>
<li>How to improve your budget.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f03d0eb8-14d0-11ed-8f9c-73343afa5406]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4299347484.mp3?updated=1660336094" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re House Poor… What Do We Do? (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Balancing generosity with getting out of debt,

What it means to be house poor,

Whether or not to take an offer for a farm.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 Aug 2022 21:29:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Balancing generosity with getting out of debt,

What it means to be house poor,

Whether or not to take an offer for a farm.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Balancing generosity with getting out of debt,</li>
<li>What it means to be house poor,</li>
<li>Whether or not to take an offer for a farm.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d2667ff4-14d1-11ed-9b9c-2b18bd6b8868]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8272548874.mp3?updated=1660253439" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Grandparents Have Never Paid Their Taxes (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with the fallout of grandparents who never paid taxes,

Investing a full 15%,

Pulling from investments to pay off a house.

Changing jobs to get out of a nightmare commute situation.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 Aug 2022 20:56:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with the fallout of grandparents who never paid taxes,

Investing a full 15%,

Pulling from investments to pay off a house.

Changing jobs to get out of a nightmare commute situation.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Dealing with the fallout of grandparents who never paid taxes,</li>
<li>Investing a full 15%,</li>
<li>Pulling from investments to pay off a house.</li>
<li>Changing jobs to get out of a nightmare commute situation.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6742ad42-14d1-11ed-ae31-1f697548efd6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9677121221.mp3?updated=1660251501" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are Home Prices Starting To Fall? (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

How to place investments,

Why VA loans aren't a good idea,

How to know if you're doing too much while paying off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Thu, 11 Aug 2022 20:26:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

How to place investments,

Why VA loans aren't a good idea,

How to know if you're doing too much while paying off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>How to place investments,</li>
<li>Why VA loans aren't a good idea,</li>
<li>How to know if you're doing too much while paying off debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f024efb8-14d0-11ed-8f9c-dbe5035b4f79]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2459940229.mp3?updated=1660248650" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Don’t Trust the Government… Where Should I Put My Money? (Hour 3)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Where to put your money when you don't trust the government,

Finding your dream job,

Choosing a side-hustle while overseas,

Avoiding universal life insurance,

The best order to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 10 Aug 2022 21:39:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Where to put your money when you don't trust the government,

Finding your dream job,

Choosing a side-hustle while overseas,

Avoiding universal life insurance,

The best order to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Where to put your money when you don't trust the government,</li>
<li>Finding your dream job,</li>
<li>Choosing a side-hustle while overseas,</li>
<li>Avoiding universal life insurance,</li>
<li>The best order to pay off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d24e259e-14d1-11ed-9b9c-078e4343a04a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1554921617.mp3?updated=1660167765" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Quit My Job and Go Back to School? (Hour 2)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Making the jump to owning your own business,

Paying off a HELOC,

Staying in a job vs. going back to school,

Selling a house to pay off debt,

Preparing for a reduction in income.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 10 Aug 2022 20:30:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Making the jump to owning your own business,

Paying off a HELOC,

Staying in a job vs. going back to school,

Selling a house to pay off debt,

Preparing for a reduction in income.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Making the jump to owning your own business,</li>
<li>Paying off a HELOC,</li>
<li>Staying in a job vs. going back to school,</li>
<li>Selling a house to pay off debt,</li>
<li>Preparing for a reduction in income.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[672b3518-14d1-11ed-ae31-1ffe5d5d5fd5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7073338474.mp3?updated=1660163645" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Credit Score Shouldn’t Be Your Motivation (Hour 1)</title>
      <description>Ken Coleman &amp; Rachel Cruze discuss:

Selling a business,

Using a loan to pay off credit cards,

The baby steps,

What to do when you've bought too much house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 10 Aug 2022 20:08:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:

Selling a business,

Using a loan to pay off credit cards,

The baby steps,

What to do when you've bought too much house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p><ul>
<li>Selling a business,</li>
<li>Using a loan to pay off credit cards,</li>
<li>The baby steps,</li>
<li>What to do when you've bought too much house.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f00cd766-14d0-11ed-8f9c-e740c70c3ee6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3493029548.mp3?updated=1660162345" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s Wrong With Building Wealth Using Debt? (Hour 3)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Dealing with bills in collections,

The problem with building wealth using debt,

What to do with an inheritance,

Getting started with the baby steps,

Preparing to move out on your own.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 09 Aug 2022 21:28:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Dealing with bills in collections,

The problem with building wealth using debt,

What to do with an inheritance,

Getting started with the baby steps,

Preparing to move out on your own.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Dealing with bills in collections,</li>
<li>The problem with building wealth using debt,</li>
<li>What to do with an inheritance,</li>
<li>Getting started with the baby steps,</li>
<li>Preparing to move out on your own.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d2371070-14d1-11ed-9b9c-aff9870d7412]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9457022635.mp3?updated=1660080726" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife and I Aren't on the Same Page (Hour 2)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

Selling a house,

Getting on the same page with your spouse about money,

What to do with savings during college,

Saving up for a house vs. moving in with family.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 09 Aug 2022 20:39:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

Selling a house,

Getting on the same page with your spouse about money,

What to do with savings during college,

Saving up for a house vs. moving in with family.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>Selling a house,</li>
<li>Getting on the same page with your spouse about money,</li>
<li>What to do with savings during college,</li>
<li>Saving up for a house vs. moving in with family.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[671241d4-14d1-11ed-ae31-dfa1f59f6516]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6288161933.mp3?updated=1660077801" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Now a Good Time To Buy a House? (Hour 1)</title>
      <description>George Kamel &amp; Kristina Ellis discuss:

What a 17-year-old should do with money from a job,

When is the right time to buy a house,

Going to back to school to advance a career,

What to do with extra income,

Continuing to invest after retirement,

Paying off the house vs. buying a car,

Buying a car without going into debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 09 Aug 2022 19:56:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:

What a 17-year-old should do with money from a job,

When is the right time to buy a house,

Going to back to school to advance a career,

What to do with extra income,

Continuing to invest after retirement,

Paying off the house vs. buying a car,

Buying a car without going into debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p><ul>
<li>What a 17-year-old should do with money from a job,</li>
<li>When is the right time to buy a house,</li>
<li>Going to back to school to advance a career,</li>
<li>What to do with extra income,</li>
<li>Continuing to invest after retirement,</li>
<li>Paying off the house vs. buying a car,</li>
<li>Buying a car without going into debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eff4fb32-14d0-11ed-8f9c-7fef1136fbaf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6706468438.mp3?updated=1660075177" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Family Keeps Asking Us for Money (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

The first step to paying off debt,

Buying a home now vs. saving up cash,

The ethics of leaving your job for another,

Creating boundaries with family around money.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 Aug 2022 21:25:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

The first step to paying off debt,

Buying a home now vs. saving up cash,

The ethics of leaving your job for another,

Creating boundaries with family around money.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>The first step to paying off debt,</li>
<li>Buying a home now vs. saving up cash,</li>
<li>The ethics of leaving your job for another,</li>
<li>Creating boundaries with family around money.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d21f8c2a-14d1-11ed-9b9c-ebdf0d93d490]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8477355286.mp3?updated=1659994146" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Is Spending Money Behind My Back (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

What to do when you're upside down on your car,

Dealing with financial infidelity in a marriage,

Buying a house with a bad credit score,

Cashing out stock to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 Aug 2022 20:42:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

What to do when you're upside down on your car,

Dealing with financial infidelity in a marriage,

Buying a house with a bad credit score,

Cashing out stock to pay off debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>What to do when you're upside down on your car,</li>
<li>Dealing with financial infidelity in a marriage,</li>
<li>Buying a house with a bad credit score,</li>
<li>Cashing out stock to pay off debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[66fba41a-14d1-11ed-ae31-e3c0ff91f092]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5437645853.mp3?updated=1659991435" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Bought Too Much House… What Do We Do Now? (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Selling a car to pay off debt,

Owing the IRS $100k,

What to do when you bought too much house,

Dealing with a car scam,

Feeling like you'll never be able to afford a house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</description>
      <pubDate>Mon, 08 Aug 2022 19:42:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Selling a car to pay off debt,

Owing the IRS $100k,

What to do when you bought too much house,

Dealing with a car scam,

Feeling like you'll never be able to afford a house.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
 
Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Selling a car to pay off debt,</li>
<li>Owing the IRS $100k,</li>
<li>What to do when you bought too much house,</li>
<li>Dealing with a car scam,</li>
<li>Feeling like you'll never be able to afford a house.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p><p> </p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[efdd2b60-14d0-11ed-8f9c-f7dc7be271a9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1080607010.mp3?updated=1659987915" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let an Emergency De-Rail Your Debt Free Dreams (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Being $15k underwater on a car,

Deciding between job options,

What to do with the proceeds from a home sale,

Using retirement to fix a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 05 Aug 2022 21:36:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Being $15k underwater on a car,

Deciding between job options,

What to do with the proceeds from a home sale,

Using retirement to fix a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Being $15k underwater on a car,</li>
<li>Deciding between job options,</li>
<li>What to do with the proceeds from a home sale,</li>
<li>Using retirement to fix a car.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61ec1e32-0e82-11ed-ab19-a3f2cb971819]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2989521818.mp3?updated=1659735009" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do Not Sacrifice Your Retirement To Send Junior Off to College (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Buying rentals while in debt,

Finding purpose in work,

Should you sell your house,

Doing the Baby Steps out of order.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 05 Aug 2022 20:36:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Buying rentals while in debt,

Finding purpose in work,

Should you sell your house,

Doing the Baby Steps out of order.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Buying rentals while in debt,</li>
<li>Finding purpose in work,</li>
<li>Should you sell your house,</li>
<li>Doing the Baby Steps out of order.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4fe592e-0e80-11ed-ac16-9fa5551cc8b1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6255775211.mp3?updated=1659731934" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Stop Using Credit Cards? (Hour 1)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

How to save for unexpected expenses,

What to invest in as a 15-year-old,

Saving for a cross country move,

Getting on the same page as your spouse,

Switching jobs,

What to do after paying off debt,

How can I stop using credit cards.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 05 Aug 2022 19:58:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

How to save for unexpected expenses,

What to invest in as a 15-year-old,

Saving for a cross country move,

Getting on the same page as your spouse,

Switching jobs,

What to do after paying off debt,

How can I stop using credit cards.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>How to save for unexpected expenses,</li>
<li>What to invest in as a 15-year-old,</li>
<li>Saving for a cross country move,</li>
<li>Getting on the same page as your spouse,</li>
<li>Switching jobs,</li>
<li>What to do after paying off debt,</li>
<li>How can I stop using credit cards.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6c192f00-0e80-11ed-8a77-53a45fcff9e1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7284999955.mp3?updated=1659729664" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Can We Spend on Our Honeymoon? (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Regretting a move across the country,

The feeling that you'll never get out of debt,

Developing a plan for a special needs child,

How much to spend on a honeymoon,

Moving during inflation.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 04 Aug 2022 21:42:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Regretting a move across the country,

The feeling that you'll never get out of debt,

Developing a plan for a special needs child,

How much to spend on a honeymoon,

Moving during inflation.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Regretting a move across the country,</li>
<li>The feeling that you'll never get out of debt,</li>
<li>Developing a plan for a special needs child,</li>
<li>How much to spend on a honeymoon,</li>
<li>Moving during inflation.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61d73d82-0e82-11ed-ab19-47624b719951]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5878796946.mp3?updated=1659649501" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should We Save for a Home? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Buying a camper,

Purchasing a home when you're planning on moving,

Why you shouldn't switch Baby Steps 1 and 2,

How to save up for a home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 04 Aug 2022 20:49:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Buying a camper,

Purchasing a home when you're planning on moving,

Why you shouldn't switch Baby Steps 1 and 2,

How to save up for a home.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Buying a camper,</li>
<li>Purchasing a home when you're planning on moving,</li>
<li>Why you shouldn't switch Baby Steps 1 and 2,</li>
<li>How to save up for a home.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4efd76e-0e80-11ed-ac16-9726cd5841a6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8401610243.mp3?updated=1659645909" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Handle Anxiety Over Money (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

When you can afford to build a new home,

Focusing on education vs. paying off debt,

How to manage a multi-million dollar settlement,

Still worrying about money after becoming debt-free.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 04 Aug 2022 20:49:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

When you can afford to build a new home,

Focusing on education vs. paying off debt,

How to manage a multi-million dollar settlement,

Still worrying about money after becoming debt-free.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>When you can afford to build a new home,</li>
<li>Focusing on education vs. paying off debt,</li>
<li>How to manage a multi-million dollar settlement,</li>
<li>Still worrying about money after becoming debt-free.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6c0b088a-0e80-11ed-8a77-8f855d36a772]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3121529757.mp3?updated=1659645379" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Plan To Actually BE Rich Instead of Just Looking Rich (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Cashing out mutual funds to pay off student loans,

Taxes on company stock,

What to do after you sell your home,

Whether or not it makes sense to move out of the country financially.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 03 Aug 2022 21:39:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Cashing out mutual funds to pay off student loans,

Taxes on company stock,

What to do after you sell your home,

Whether or not it makes sense to move out of the country financially.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Cashing out mutual funds to pay off student loans,</li>
<li>Taxes on company stock,</li>
<li>What to do after you sell your home,</li>
<li>Whether or not it makes sense to move out of the country financially.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61c32c70-0e82-11ed-ab19-23b4ad9612c2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2893505851.mp3?updated=1659562840" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get a Discount on College Tuition? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Trading in cars to pay off debt vs. keeping them,

How can I get a discount on my college tuition?

Saving up for a house vs. investing,

Moving for a job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 03 Aug 2022 21:03:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Trading in cars to pay off debt vs. keeping them,

How can I get a discount on my college tuition?

Saving up for a house vs. investing,

Moving for a job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Trading in cars to pay off debt vs. keeping them,</li>
<li>How can I get a discount on my college tuition?</li>
<li>Saving up for a house vs. investing,</li>
<li>Moving for a job.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4e0aef6-0e80-11ed-ac16-478f02b9eb41]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2288327851.mp3?updated=1659560207" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Prepare for the Future? (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Preparing for a child with special needs,

How to teach college athletes about money,

The best way to pay off student loans,

What to do with the profit from a home sale.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 03 Aug 2022 19:38:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Preparing for a child with special needs,

How to teach college athletes about money,

The best way to pay off student loans,

What to do with the profit from a home sale.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Preparing for a child with special needs,</li>
<li>How to teach college athletes about money,</li>
<li>The best way to pay off student loans,</li>
<li>What to do with the profit from a home sale.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6bfd7b20-0e80-11ed-8a77-df22d784d3e1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5963754039.mp3?updated=1659555677" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Quit My Job? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to pick up the pieces financially after a spouse's death,

Quitting a job,

Selling your business,

Selling vs. renting out a home when you move,

How to think through being recruited for a new job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 02 Aug 2022 21:38:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to pick up the pieces financially after a spouse's death,

Quitting a job,

Selling your business,

Selling vs. renting out a home when you move,

How to think through being recruited for a new job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to pick up the pieces financially after a spouse's death,</li>
<li>Quitting a job,</li>
<li>Selling your business,</li>
<li>Selling vs. renting out a home when you move,</li>
<li>How to think through being recruited for a new job.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[61aec794-0e82-11ed-ab19-8ba4f80ceba9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9736815872.mp3?updated=1659476484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Increase My Income? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to increase your income,

Fighting discouragement,

Paying extra on your house,

When to give up on a career.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 02 Aug 2022 20:30:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to increase your income,

Fighting discouragement,

Paying extra on your house,

When to give up on a career.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to increase your income,</li>
<li>Fighting discouragement,</li>
<li>Paying extra on your house,</li>
<li>When to give up on a career.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4d24046-0e80-11ed-ac16-331382797917]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6931524967.mp3?updated=1659472410" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Dream Truck Might Be the Next DeLorean (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Whether or not to sell a house,

What to do with a large profit,

Buying a new (electric) truck.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 02 Aug 2022 19:54:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Whether or not to sell a house,

What to do with a large profit,

Buying a new (electric) truck.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Whether or not to sell a house,</li>
<li>What to do with a large profit,</li>
<li>Buying a new (electric) truck.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6beef406-0e80-11ed-8a77-6319fd4b365f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1895062599.mp3?updated=1659470292" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is Bankruptcy Our Only Option? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Whether or not to file for bankruptcy,

Selling land or building on it,

Student loan forgiveness.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 01 Aug 2022 21:48:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Whether or not to file for bankruptcy,

Selling land or building on it,

Student loan forgiveness.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Whether or not to file for bankruptcy,</li>
<li>Selling land or building on it,</li>
<li>Student loan forgiveness.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6199e414-0e82-11ed-ab19-4f66560c98cb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7035756166.mp3?updated=1659390692" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Put Off Till Tomorrow What You Can Do Today (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Selling a home by owner,

Multi-family investing,

How to handle an inheritance,

Staying motivated on your financial journey.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 01 Aug 2022 21:02:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Selling a home by owner,

Multi-family investing,

How to handle an inheritance,

Staying motivated on your financial journey.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Selling a home by owner,</li>
<li>Multi-family investing,</li>
<li>How to handle an inheritance,</li>
<li>Staying motivated on your financial journey.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4c35ed2-0e80-11ed-ac16-57276a389497]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1433954195.mp3?updated=1659387849" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Save for the Future? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Dealing with a family member who was left out of an inheritance,

What a young person should do with extra savings,

Paying for kids' school.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 01 Aug 2022 20:01:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Dealing with a family member who was left out of an inheritance,

What a young person should do with extra savings,

Paying for kids' school.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Dealing with a family member who was left out of an inheritance,</li>
<li>What a young person should do with extra savings,</li>
<li>Paying for kids' school.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6bdfada2-0e80-11ed-8a77-53d061d41137]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6405967882.mp3?updated=1659384142" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy a House or Keep Renting? (Hour 3)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Buying vs. renting a home,

What to do with extra income,

Working the baby steps,

What to do after paying off debt,

Pausing Baby Step 2 for a wedding.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 29 Jul 2022 21:38:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Buying vs. renting a home,

What to do with extra income,

Working the baby steps,

What to do after paying off debt,

Pausing Baby Step 2 for a wedding.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Buying vs. renting a home,</li>
<li>What to do with extra income,</li>
<li>Working the baby steps,</li>
<li>What to do after paying off debt,</li>
<li>Pausing Baby Step 2 for a wedding.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc9560d0-09da-11ed-96a9-db7c2f35ea60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3825881590.mp3?updated=1659130229" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy a New Vehicle? (Hour 2)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

Getting a spouse on board with the baby steps,

When it's time to get your own place,

Pausing getting out of debt to save for a wedding,

Taking a job that you enjoy more but that pays less,

Renting vs. buying,

Thoughts on buying a newer more reliable car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 29 Jul 2022 20:56:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

Getting a spouse on board with the baby steps,

When it's time to get your own place,

Pausing getting out of debt to save for a wedding,

Taking a job that you enjoy more but that pays less,

Renting vs. buying,

Thoughts on buying a newer more reliable car.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>Getting a spouse on board with the baby steps,</li>
<li>When it's time to get your own place,</li>
<li>Pausing getting out of debt to save for a wedding,</li>
<li>Taking a job that you enjoy more but that pays less,</li>
<li>Renting vs. buying,</li>
<li>Thoughts on buying a newer more reliable car.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9944e6b8-09da-11ed-94c1-6fe0338ca1d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4064444045.mp3?updated=1659127651" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Tell My Father-in-Law I Think His Scheme Is Crazy? (Hour 1)</title>
      <description>Dr. John Delony &amp; George Kamel discuss:

How much to spend on an engagement ring,

The best way to start investing,

Saving for a house vs. investing,

Saying no to a bad idea from a father-in-law.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 29 Jul 2022 19:45:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:

How much to spend on an engagement ring,

The best way to start investing,

Saving for a house vs. investing,

Saying no to a bad idea from a father-in-law.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p><ul>
<li>How much to spend on an engagement ring,</li>
<li>The best way to start investing,</li>
<li>Saving for a house vs. investing,</li>
<li>Saying no to a bad idea from a father-in-law.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[481ad37e-09da-11ed-94aa-fb21bd4e4f28]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8236012358.mp3?updated=1659123057" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Pull Money From Retirement? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Whether or not you should pull from retirement to pay off your house,

Helping a struggling daughter,

How long you should stay in baby step 3b,

Selling your possessions when moving overseas.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Jul 2022 21:54:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Whether or not you should pull from retirement to pay off your house,

Helping a struggling daughter,

How long you should stay in baby step 3b,

Selling your possessions when moving overseas.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Whether or not you should pull from retirement to pay off your house,</li>
<li>Helping a struggling daughter,</li>
<li>How long you should stay in baby step 3b,</li>
<li>Selling your possessions when moving overseas.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc7a7aae-09da-11ed-96a9-f31bdc0b5644]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8349441783.mp3?updated=1659044908" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There’s No Such Thing as a “Forever Home” (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Feeling guilty about spending money on a wedding,

Investing the extra money from a raise,

The myth of a "forever home",

Why you should pay off your mortgage,

Buying a house from your parents,

Switching jobs when you have a 401(k) loan.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Jul 2022 20:42:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Feeling guilty about spending money on a wedding,

Investing the extra money from a raise,

The myth of a "forever home",

Why you should pay off your mortgage,

Buying a house from your parents,

Switching jobs when you have a 401(k) loan.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Feeling guilty about spending money on a wedding,</li>
<li>Investing the extra money from a raise,</li>
<li>The myth of a "forever home",</li>
<li>Why you should pay off your mortgage,</li>
<li>Buying a house from your parents,</li>
<li>Switching jobs when you have a 401(k) loan.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[992e7644-09da-11ed-94c1-03e6eac7264e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7065340364.mp3?updated=1659040749" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Make Too Much Money To Be This Broke! (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

2 consecutive quarters of negative GDP meaning we're in a (little baby) recession,

How to stay motivated after paying off the house,

The best way to invest without a 401(k),

Treating the symptom vs. the problem.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Jul 2022 19:58:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

2 consecutive quarters of negative GDP meaning we're in a (little baby) recession,

How to stay motivated after paying off the house,

The best way to invest without a 401(k),

Treating the symptom vs. the problem.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>2 consecutive quarters of negative GDP meaning we're in a (little baby) recession,</li>
<li>How to stay motivated after paying off the house,</li>
<li>The best way to invest without a 401(k),</li>
<li>Treating the symptom vs. the problem.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4804f522-09da-11ed-94aa-d7c90a1cb163]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4760706327.mp3?updated=1659038617" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Anyone Can Become a Millionaire… Here’ How (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they built their wealth.

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Jul 2022 21:51:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they built their wealth.

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman interview every day millionaires to find out how they built their wealth.</p><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc60fdf4-09da-11ed-96a9-d79f97a670bb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9597122728.mp3?updated=1658958811" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why a “Stable” Job Is a Myth (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Winning with money as a recent college graduate,

Changing careers,

How to land a job you love,

How much emergency fund you need,

The myth of a "stable" job. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Jul 2022 20:35:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Winning with money as a recent college graduate,

Changing careers,

How to land a job you love,

How much emergency fund you need,

The myth of a "stable" job. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Winning with money as a recent college graduate,</li>
<li>Changing careers,</li>
<li>How to land a job you love,</li>
<li>How much emergency fund you need,</li>
<li>The myth of a "stable" job. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[99159dd6-09da-11ed-94c1-dfcf3780ee5b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6361460632.mp3?updated=1658954108" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Tell Your Ex-Husband To Pound Sand! (Hour 1) </title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Switching to a job you love and making more money,

The timing of a career change,

Why you shouldn't be business partners with an ex-spouse,

Using an inheritance to buy a house (aka bachelor pad),

Is now a good time to invest in real estate?


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Jul 2022 20:18:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Switching to a job you love and making more money,

The timing of a career change,

Why you shouldn't be business partners with an ex-spouse,

Using an inheritance to buy a house (aka bachelor pad),

Is now a good time to invest in real estate?


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Switching to a job you love and making more money,</li>
<li>The timing of a career change,</li>
<li>Why you shouldn't be business partners with an ex-spouse,</li>
<li>Using an inheritance to buy a house (aka bachelor pad),</li>
<li>Is now a good time to invest in real estate?</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47ef98d0-09da-11ed-94aa-675b2a2b8af3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8924531168.mp3?updated=1658952844" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Hard Work Is Good (Why the Antiwork Movement Is Stupid) (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

A Christian ethic of work,

The stupidity of the Antiwork movement,

Helping a child with their downpayment,

What to do with an insurance payout.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Jul 2022 21:30:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

A Christian ethic of work,

The stupidity of the Antiwork movement,

Helping a child with their downpayment,

What to do with an insurance payout.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>A Christian ethic of work,</li>
<li>The stupidity of the Antiwork movement,</li>
<li>Helping a child with their downpayment,</li>
<li>What to do with an insurance payout.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc47472e-09da-11ed-96a9-93ef172b4499]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2799470865.mp3?updated=1658871114" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The White House Is Trying To Redefine Reality (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to calculate your net worth,

Fixing up the house vs. selling it,

How the white house is trying to redefine the word "recession",

Getting out of a debt mess.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Jul 2022 20:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to calculate your net worth,

Fixing up the house vs. selling it,

How the white house is trying to redefine the word "recession",

Getting out of a debt mess.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to calculate your net worth,</li>
<li>Fixing up the house vs. selling it,</li>
<li>How the white house is trying to redefine the word "recession",</li>
<li>Getting out of a debt mess.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98fde722-09da-11ed-94c1-d72b5a7dea4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2847907492.mp3?updated=1658867742" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Buy a House if You’re Broke! (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

A convoluted housing situation,

Challenges when trying to sell a house,

Helping kids with a house downpayment,

Selling a car to pay off debt,

Using a grant to buy a house,

Paying off debt using a pension. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Jul 2022 19:52:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

A convoluted housing situation,

Challenges when trying to sell a house,

Helping kids with a house downpayment,

Selling a car to pay off debt,

Using a grant to buy a house,

Paying off debt using a pension. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>A convoluted housing situation,</li>
<li>Challenges when trying to sell a house,</li>
<li>Helping kids with a house downpayment,</li>
<li>Selling a car to pay off debt,</li>
<li>Using a grant to buy a house,</li>
<li>Paying off debt using a pension. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47da473c-09da-11ed-94aa-fb013f22f0ac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4503712596.mp3?updated=1658865181" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Pay for College? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Can you invest too much in your 401(k)?

How to go to college without debt,

Fear over using an investment professional.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 25 Jul 2022 21:44:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Can you invest too much in your 401(k)?

How to go to college without debt,

Fear over using an investment professional.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Can you invest too much in your 401(k)?</li>
<li>How to go to college without debt,</li>
<li>Fear over using an investment professional.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc2c8416-09da-11ed-96a9-fbfea141f373]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4387722224.mp3?updated=1658785484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have a Car Problem (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Keeping a car at the expense of your house,

Investing in property vs. paying it off,

Affording a vehicle,

Getting a masters degree debt-free.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 25 Jul 2022 20:36:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Keeping a car at the expense of your house,

Investing in property vs. paying it off,

Affording a vehicle,

Getting a masters degree debt-free.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Keeping a car at the expense of your house,</li>
<li>Investing in property vs. paying it off,</li>
<li>Affording a vehicle,</li>
<li>Getting a masters degree debt-free.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98e5eb40-09da-11ed-94c1-17a4a415c99d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9224337380.mp3?updated=1658781678" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy My Company’s Stock? (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Buying stock in your company (even if that company happens to be Apple),

Term life insurance,

Renting out commercial real estate,

How much to budget for rent.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 25 Jul 2022 19:33:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Buying stock in your company (even if that company happens to be Apple),

Term life insurance,

Renting out commercial real estate,

How much to budget for rent.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Buying stock in your company (even if that company happens to be Apple),</li>
<li>Term life insurance,</li>
<li>Renting out commercial real estate,</li>
<li>How much to budget for rent.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47c4c826-09da-11ed-94aa-9f6e94bf6e3c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6087837630.mp3?updated=1658777658" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Bonus Episode: Is the Housing Market Going to Crash? A Real Estate Reality Check</title>
      <description>Alright, so the real estate market has people freaking out and feeling uncertain about buying and selling a home. Maybe you're feeling the same way—and that's understandable when opinions are coming at you from every direction. It's time for a reality check about what's really happening—so you know how to navigate the market. 
Get Ramsey Real Estate Recommendations here: https://bit.ly/3n9bhyR

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey
Solutions Privacy Policy</description>
      <pubDate>Mon, 25 Jul 2022 15:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6bbd5a1e-0c2c-11ed-ac25-df761cf31cd9/image/MicrosoftTeams-image__5_.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Alright, so the real estate market has people freaking out and feeling uncertain about buying and selling a home. Maybe you're feeling the same way—and that's understandable when opinions are coming at you from every direction. It's time for a reality check about what's really happening—so you know how to navigate the market. 
Get Ramsey Real Estate Recommendations here: https://bit.ly/3n9bhyR

Learn more about your ad choices. https://www.megaphone.fm/adchoices
Ramsey
Solutions Privacy Policy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Alright, so the real estate market has people freaking out and feeling uncertain about buying and selling a home. Maybe you're feeling the same way—and that's understandable when opinions are coming at you from every direction. It's time for a reality check about what's really happening—so you know how to navigate the market. </p><p>Get Ramsey Real Estate Recommendations here: <a href="https://bit.ly/3n9bhyR">https://bit.ly/3n9bhyR</a></p><p><br></p><p>Learn more about your ad choices. <a href="https://www.megaphone.fm/adchoices">https://www.megaphone.fm/adchoices</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Ramsey</a></p><p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">Solutions Privacy Policy</a></p>]]>
      </content:encoded>
      <itunes:duration>3691</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6bbd5a1e-0c2c-11ed-ac25-df761cf31cd9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9060700315.mp3?updated=1658857155" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Get Better at Saving Money (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

What to do with profit from a house sale.

Dealing with a high-interest underwater car.

Saving money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Jul 2022 21:46:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

What to do with profit from a house sale.

Dealing with a high-interest underwater car.

Saving money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>What to do with profit from a house sale.</li>
<li>Dealing with a high-interest underwater car.</li>
<li>Saving money.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb416e72-03ae-11ed-8185-77981f71c604]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8461091108.mp3?updated=1658525537" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Finance Is a Reflection of What You Value (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Achieving financial peace after a divorce.

Why you should share a bank account with your spouse.

What you need to do to get out of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Jul 2022 20:50:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Achieving financial peace after a divorce.

Why you should share a bank account with your spouse.

What you need to do to get out of debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Achieving financial peace after a divorce.</li>
<li>Why you should share a bank account with your spouse.</li>
<li>What you need to do to get out of debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4fa1dcbe-03ae-11ed-be5b-f346493949e3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7798997988.mp3?updated=1658523287" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>VISA Has a Plan for Your Money...Do YOU? (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Steps to take when you discover financial infidelity.

How manual underwriting works for mortgages.

Grieving a tragedy and how to move forward.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Jul 2022 20:29:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Steps to take when you discover financial infidelity.

How manual underwriting works for mortgages.

Grieving a tragedy and how to move forward.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Steps to take when you discover financial infidelity.</li>
<li>How manual underwriting works for mortgages.</li>
<li>Grieving a tragedy and how to move forward.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ddaa6d42-03ad-11ed-b544-77a034c7c00e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1076754912.mp3?updated=1658521759" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Live Like No One Else, So Later You Can Give Like No One Else (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

If buying a vacation home with the in-laws is a good idea,

Preparing for baby step 4,

The best way to fund medical school,

The ins and outs of donating money to friends.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Jul 2022 21:28:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

If buying a vacation home with the in-laws is a good idea,

Preparing for baby step 4,

The best way to fund medical school,

The ins and outs of donating money to friends.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>If buying a vacation home with the in-laws is a good idea,</li>
<li>Preparing for baby step 4,</li>
<li>The best way to fund medical school,</li>
<li>The ins and outs of donating money to friends.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb30b276-03ae-11ed-8185-93aa7bf0cd6a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3153201637.mp3?updated=1658438983" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Can Beat Addiction, You Can Beat Debt (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Using a HELOC to pay off debt,

How much is enough for a down payment,

Getting started on the Baby Steps,

A former addicts fear of paying off debt,

How much is too much to put in a pension,

If crypto should be a part of your portfolio.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Jul 2022 20:42:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Using a HELOC to pay off debt,

How much is enough for a down payment,

Getting started on the Baby Steps,

A former addicts fear of paying off debt,

How much is too much to put in a pension,

If crypto should be a part of your portfolio.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Using a HELOC to pay off debt,</li>
<li>How much is enough for a down payment,</li>
<li>Getting started on the Baby Steps,</li>
<li>A former addicts fear of paying off debt,</li>
<li>How much is too much to put in a pension,</li>
<li>If crypto should be a part of your portfolio.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4f905962-03ae-11ed-be5b-733c7ed4cc1e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9309129587.mp3?updated=1658436204" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Dave Bounced Back After Bankruptcy (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How much money you save when you use cash,

Figuring out your financial priorities,

How Dave bounced back after bankruptcy.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Jul 2022 19:39:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How much money you save when you use cash,

Figuring out your financial priorities,

How Dave bounced back after bankruptcy.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How much money you save when you use cash,</li>
<li>Figuring out your financial priorities,</li>
<li>How Dave bounced back after bankruptcy.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd990ffc-03ad-11ed-b544-ab34c0a52072]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3158345392.mp3?updated=1658432451" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Invite Murphy Into Your Life! (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

The best way to handle a large insurance settlement,

Using the emergency fund to pay off the house,

Defining your financial priorities.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Jul 2022 21:36:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

The best way to handle a large insurance settlement,

Using the emergency fund to pay off the house,

Defining your financial priorities.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>The best way to handle a large insurance settlement,</li>
<li>Using the emergency fund to pay off the house,</li>
<li>Defining your financial priorities.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb20bdb2-03ae-11ed-8185-d3dfb8983dfa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1025379682.mp3?updated=1658353611" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Online Sports Betting: The Latest Trend for Teens (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Paying for closing costs on a new house,

The ROI of an MBA,

The rise of teenagers betting on sports.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Jul 2022 20:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Paying for closing costs on a new house,

The ROI of an MBA,

The rise of teenagers betting on sports.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Paying for closing costs on a new house,</li>
<li>The ROI of an MBA,</li>
<li>The rise of teenagers betting on sports.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4f7ea938-03ae-11ed-be5b-c3a92c86364c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6202979443.mp3?updated=1658349069" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Please Don’t Let Your Church Take On Debt (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Putting value on a piece of property,

Mutual fund vs a 529,

Investing while working on a PhD,

Churches taking on debt


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Jul 2022 20:19:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Putting value on a piece of property,

Mutual fund vs a 529,

Investing while working on a PhD,

Churches taking on debt


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Putting value on a piece of property,</li>
<li>Mutual fund vs a 529,</li>
<li>Investing while working on a PhD,</li>
<li>Churches taking on debt</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd87f320-03ad-11ed-b544-8fdd7076c418]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7930306232.mp3?updated=1658349055" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Is Enough for a Full Emergency Fund? (Hour 3)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

How much is enough for a full emergency fund,

The best way to save for an engagement,

Knowing when to cash out money from mutual funds,

When to focus on Baby Step 3b.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Jul 2022 21:50:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

How much is enough for a full emergency fund,

The best way to save for an engagement,

Knowing when to cash out money from mutual funds,

When to focus on Baby Step 3b.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>How much is enough for a full emergency fund,</li>
<li>The best way to save for an engagement,</li>
<li>Knowing when to cash out money from mutual funds,</li>
<li>When to focus on Baby Step 3b.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb10f2c4-03ae-11ed-8185-53eeee7f3009]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2428302835.mp3?updated=1658266688" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Budgeting Through Stressful Situations (Hour 2)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Trying to budget while battling cancer,

When buying gifts is a violation of trust,

Knowing when to accept gifts from parents (and when to quit the family business).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Jul 2022 20:36:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Trying to budget while battling cancer,

When buying gifts is a violation of trust,

Knowing when to accept gifts from parents (and when to quit the family business).


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Trying to budget while battling cancer,</li>
<li>When buying gifts is a violation of trust,</li>
<li>Knowing when to accept gifts from parents (and when to quit the family business).</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4f6cfe7c-03ae-11ed-be5b-076a60c5a3a8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8858544358.mp3?updated=1658263140" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s YOUR Reason for Getting Out of Debt? (Hour 1)</title>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:

Getting your spouse on board to become debt-free,

The best way to negotiate your salary,

How to set up a budget,

Buying a new home with retirement money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Jul 2022 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:

Getting your spouse on board to become debt-free,

The best way to negotiate your salary,

How to set up a budget,

Buying a new home with retirement money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p><ul>
<li>Getting your spouse on board to become debt-free,</li>
<li>The best way to negotiate your salary,</li>
<li>How to set up a budget,</li>
<li>Buying a new home with retirement money.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd766362-03ad-11ed-b544-83a094bfc966]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8357145809.mp3?updated=1658263109" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Not a Math Problem, It’s a Behavior Problem (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Paying a price to get rid of your debt,

Getting ahead on student loans,

Declining a job offer after having originally accepting it.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Jul 2022 21:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Paying a price to get rid of your debt,

Getting ahead on student loans,

Declining a job offer after having originally accepting it.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Paying a price to get rid of your debt,</li>
<li>Getting ahead on student loans,</li>
<li>Declining a job offer after having originally accepting it.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb01024c-03ae-11ed-8185-07d2f9cbe29d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4599732425.mp3?updated=1658179836" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Son Won’t Pay Us Back… (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to avoid entitled kids,

What to do when you're behind on bills,

Forgiving a family member who won't pay back money you let them borrow

Setting boundaries.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Jul 2022 20:38:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to avoid entitled kids,

What to do when you're behind on bills,

Forgiving a family member who won't pay back money you let them borrow

Setting boundaries.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to avoid entitled kids,</li>
<li>What to do when you're behind on bills,</li>
<li>Forgiving a family member who won't pay back money you let them borrow</li>
<li>Setting boundaries.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4f5b776a-03ae-11ed-be5b-9b3dd831989b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9791071442.mp3?updated=1658176847" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What You’re Doing Is Financial Suicide (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to know when you're buying (or building) too much house,

Knowing when it's time to upgrade from the beater car,

The morals and ethics of working somewhere that sells debt products.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Jul 2022 19:57:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to know when you're buying (or building) too much house,

Knowing when it's time to upgrade from the beater car,

The morals and ethics of working somewhere that sells debt products.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to know when you're buying (or building) too much house,</li>
<li>Knowing when it's time to upgrade from the beater car,</li>
<li>The morals and ethics of working somewhere that sells debt products.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd6596c2-03ad-11ed-b544-bf22c2e9c440]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9839831187.mp3?updated=1658174571" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do I Need a Masters Degree? (Hour 3)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Selling rental properties to get out of debt,

BMW's heated seats subscription pilot,

Selling a house vs. fixing it up,

Knowing when to leave a job even if it's comfortable,

The necessity of grad school,

Waiting for student loan forgiveness.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Jul 2022 21:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Selling rental properties to get out of debt,

BMW's heated seats subscription pilot,

Selling a house vs. fixing it up,

Knowing when to leave a job even if it's comfortable,

The necessity of grad school,

Waiting for student loan forgiveness.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Selling rental properties to get out of debt,</li>
<li>BMW's heated seats subscription pilot,</li>
<li>Selling a house vs. fixing it up,</li>
<li>Knowing when to leave a job even if it's comfortable,</li>
<li>The necessity of grad school,</li>
<li>Waiting for student loan forgiveness.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8914bdbc-fefa-11ec-b17b-d7222b4e4731]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9735926850.mp3?updated=1657920634" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pause Investing To Save for a House? (Hour 2)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

The potential for doing your job from another state,

Moving to a more affordable area,

George's money hacks,

Stopping investing to save for a home,

Talking a college-bound kid out of student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Jul 2022 20:43:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

The potential for doing your job from another state,

Moving to a more affordable area,

George's money hacks,

Stopping investing to save for a home,

Talking a college-bound kid out of student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>The potential for doing your job from another state,</li>
<li>Moving to a more affordable area,</li>
<li>George's money hacks,</li>
<li>Stopping investing to save for a home,</li>
<li>Talking a college-bound kid out of student loans.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2754fb14-fefa-11ec-9908-6f793ea30c10]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7151060688.mp3?updated=1657917502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Stay in a Job for the Health Insurance? (Hour 1)</title>
      <description>George Kamel &amp; Ken Coleman discuss:

Staying in a job for the health insurance,

Buying property with cash or a loan,

Where a young teen should save the money they earn from a job,

Picking between two financial advisors.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Jul 2022 20:01:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:

Staying in a job for the health insurance,

Buying property with cash or a loan,

Where a young teen should save the money they earn from a job,

Picking between two financial advisors.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p><ul>
<li>Staying in a job for the health insurance,</li>
<li>Buying property with cash or a loan,</li>
<li>Where a young teen should save the money they earn from a job,</li>
<li>Picking between two financial advisors.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53b99b3e-fef9-11ec-8838-9bd6a9531647]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8319686425.mp3?updated=1657915215" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Make Up for My Money Mistakes in Our Marriage? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Do you have to invest in the stock market or is real estate enough?

Making up for past money mistakes in a marriage,

A spouse who spent $5k without telling her husband first.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Jul 2022 21:31:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Do you have to invest in the stock market or is real estate enough?

Making up for past money mistakes in a marriage,

A spouse who spent $5k without telling her husband first.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Do you have to invest in the stock market or is real estate enough?</li>
<li>Making up for past money mistakes in a marriage,</li>
<li>A spouse who spent $5k without telling her husband first.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[89064dcc-fefa-11ec-b17b-cf62bab99049]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1648027987.mp3?updated=1657834604" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Rent Out Our Current Home? (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Whether or not to let a home buyer move in early,

How married couples can set up their health insurance,

Tithing in baby step 2,

Budgeting after a large promotion,

How buying a duplex affects the 25% of your take-home pay rule,

When you're debt free but don't actually own anything.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Jul 2022 20:45:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Whether or not to let a home buyer move in early,

How married couples can set up their health insurance,

Tithing in baby step 2,

Budgeting after a large promotion,

How buying a duplex affects the 25% of your take-home pay rule,

When you're debt free but don't actually own anything.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Whether or not to let a home buyer move in early,</li>
<li>How married couples can set up their health insurance,</li>
<li>Tithing in baby step 2,</li>
<li>Budgeting after a large promotion,</li>
<li>How buying a duplex affects the 25% of your take-home pay rule,</li>
<li>When you're debt free but don't actually own anything.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[27441880-fefa-11ec-9908-1fcf970419ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9694361621.mp3?updated=1657831853" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Making Ends Meet on a Low Income (Hour 1)</title>
      <description>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR
 
Dave Ramsey &amp; George Kamel discuss:

When married couples disagree on how much house to buy,

Pulling money out of a 401(k) to put in a Roth,

Trying to make ends meet when income is low,

How to get money out of a shared investment.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Jul 2022 19:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR
 
Dave Ramsey &amp; George Kamel discuss:

When married couples disagree on how much house to buy,

Pulling money out of a 401(k) to put in a Roth,

Trying to make ends meet when income is low,

How to get money out of a shared investment.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Free Livestream: Is the housing market going to crash? Register now: <a href="https://bit.ly/3n9bhyR">https://bit.ly/3n9bhyR</a></p><p> </p><p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>When married couples disagree on how much house to buy,</li>
<li>Pulling money out of a 401(k) to put in a Roth,</li>
<li>Trying to make ends meet when income is low,</li>
<li>How to get money out of a shared investment.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53a6f72c-fef9-11ec-8838-ebab82120fa6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2924547954.mp3?updated=1657827493" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Debt Is a Distraction. Get It Out of Your Life! (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Why certain areas of the country are more/less desirable,

Selling the house to pay off debt,

Why you shouldn't take out student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Jul 2022 21:32:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Why certain areas of the country are more/less desirable,

Selling the house to pay off debt,

Why you shouldn't take out student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Why certain areas of the country are more/less desirable,</li>
<li>Selling the house to pay off debt,</li>
<li>Why you shouldn't take out student loans.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[88f865c2-fefa-11ec-b17b-2b0ccaf79c7a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7477966897.mp3?updated=1657748100" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Wants To Keep Living Together After the Divorce (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with tax implications after a loved one's death,

Owner financing when buying a house,

Starting a business with a baby on the way,

Construction loans,

Dealing with a cheating spouse who wants a divorce but wants to live in the same house.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Jul 2022 20:41:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Dealing with tax implications after a loved one's death,

Owner financing when buying a house,

Starting a business with a baby on the way,

Construction loans,

Dealing with a cheating spouse who wants a divorce but wants to live in the same house.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Dealing with tax implications after a loved one's death,</li>
<li>Owner financing when buying a house,</li>
<li>Starting a business with a baby on the way,</li>
<li>Construction loans,</li>
<li>Dealing with a cheating spouse who wants a divorce but wants to live in the same house.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[27327fda-fefa-11ec-9908-230ca2bfc4a7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3474739786.mp3?updated=1657745199" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Does Inflation Impact the Baby Steps? (Hour 1) </title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Getting a reluctant spouse on board,

Increasing your emergency fund to account for inflation,

Selling a rental property to pay off the primary home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Jul 2022 20:15:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Getting a reluctant spouse on board,

Increasing your emergency fund to account for inflation,

Selling a rental property to pay off the primary home.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Getting a reluctant spouse on board,</li>
<li>Increasing your emergency fund to account for inflation,</li>
<li>Selling a rental property to pay off the primary home.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a> </p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53948358-fef9-11ec-8838-835f21c8e020]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5498583804.mp3?updated=1657743664" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Plan Financially for the End of the World? (Hour 3)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Why you can't predict the end of the world (and invest accordingly),

Counseling a kid who doesn't want to go to college,

The best way to invest after selling a home,

When to sell a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Jul 2022 21:21:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Why you can't predict the end of the world (and invest accordingly),

Counseling a kid who doesn't want to go to college,

The best way to invest after selling a home,

When to sell a car.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Why you can't predict the end of the world (and invest accordingly),</li>
<li>Counseling a kid who doesn't want to go to college,</li>
<li>The best way to invest after selling a home,</li>
<li>When to sell a car.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[88e92da0-fefa-11ec-b17b-7bc1803dfb37]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7772938722.mp3?updated=1657660262" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much House Can I Actually Afford? (Hour 2)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Pausing investing to pay for college,

Knowing how much house you can afford,

Disagreement about how to use an inheritance.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Jul 2022 20:40:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Pausing investing to pay for college,

Knowing how much house you can afford,

Disagreement about how to use an inheritance.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Pausing investing to pay for college,</li>
<li>Knowing how much house you can afford,</li>
<li>Disagreement about how to use an inheritance.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2720ff4e-fefa-11ec-9908-bb954f924d22]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4968134732.mp3?updated=1657657751" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Turn Your Dream Into a Nightmare! (Hour 1)</title>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:

Paying back parents for college tuition,

Why it's possible to go to school debt-free,

The best way to plan to purchase a vacation home,

Buying business vehicles vs. personal vehicles.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Jul 2022 19:57:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:

Paying back parents for college tuition,

Why it's possible to go to school debt-free,

The best way to plan to purchase a vacation home,

Buying business vehicles vs. personal vehicles.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p><ul>
<li>Paying back parents for college tuition,</li>
<li>Why it's possible to go to school debt-free,</li>
<li>The best way to plan to purchase a vacation home,</li>
<li>Buying business vehicles vs. personal vehicles.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53826196-fef9-11ec-8838-a3f18cb95a3a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2299282159.mp3?updated=1657655929" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Cash Out My Investments To Pay Off the House? (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Cashing out investments to pay off your house,

Mandatory pension contributions, and why pensions are going away,

Pay off debt now or save up and pay later?

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Jul 2022 21:24:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Cashing out investments to pay off your house,

Mandatory pension contributions, and why pensions are going away,

Pay off debt now or save up and pay later?

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Cashing out investments to pay off your house,</li>
<li>Mandatory pension contributions, and why pensions are going away,</li>
<li>Pay off debt now or save up and pay later?</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[88da4dbc-fefa-11ec-b17b-e3549ebb881a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7826835640.mp3?updated=1657574996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>There Is No Progress Without Pain (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

What to do when you fall out of love with your career,

Why Dave keeps working even though he doesn't "have to" work,

Cashing out a 401(k) to pay off debt,

Handling a pension payout.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Jul 2022 20:30:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

What to do when you fall out of love with your career,

Why Dave keeps working even though he doesn't "have to" work,

Cashing out a 401(k) to pay off debt,

Handling a pension payout.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>What to do when you fall out of love with your career,</li>
<li>Why Dave keeps working even though he doesn't "have to" work,</li>
<li>Cashing out a 401(k) to pay off debt,</li>
<li>Handling a pension payout.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[270fa410-fefa-11ec-9908-eb6d1f218a25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5873666744.mp3?updated=1657571682" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stay Calm During the Chaos (Hour 1 ) </title>
      <description>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey &amp; Ken Coleman discuss:

How to save money for kids from an accident settlement,

The crazy real estate market,

What to do with the house post-divorce,

Selling a car to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Jul 2022 20:27:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey &amp; Ken Coleman discuss:

How to save money for kids from an accident settlement,

The crazy real estate market,

What to do with the house post-divorce,

Selling a car to pay off debt.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Free Livestream: Is the housing market going to crash? Register now: <a href="https://bit.ly/3n9bhyR">https://bit.ly/3n9bhyR</a></p><p><br></p><p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to save money for kids from an accident settlement,</li>
<li>The crazy real estate market,</li>
<li>What to do with the house post-divorce,</li>
<li>Selling a car to pay off debt.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[536f7e28-fef9-11ec-8838-afd15001df9f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1408490676.mp3?updated=1657571570" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Sell Our Rental Property? (Hour 3)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Improving your credit after bankruptcy,

Selling a rental to pay off a primary residence,

Growing your business' client base,

The best way to protect your savings,

Preparing for a divorce settlement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Jul 2022 21:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Improving your credit after bankruptcy,

Selling a rental to pay off a primary residence,

Growing your business' client base,

The best way to protect your savings,

Preparing for a divorce settlement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Improving your credit after bankruptcy,</li>
<li>Selling a rental to pay off a primary residence,</li>
<li>Growing your business' client base,</li>
<li>The best way to protect your savings,</li>
<li>Preparing for a divorce settlement.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5186afa-f8a3-11ec-8717-83bc79fc99bc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9543768639.mp3?updated=1657316598" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Really Stop Investing To Pay Off Debt? (Hour 2)</title>
      <description>Ken Coleman &amp; George Kamel discuss:

Is now a good time to sell your home?

Stopping investments to pay off debt,

Which debts to pay off first,

When it makes sense to stop investing.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Jul 2022 21:28:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:

Is now a good time to sell your home?

Stopping investments to pay off debt,

Which debts to pay off first,

When it makes sense to stop investing.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Is now a good time to sell your home?</li>
<li>Stopping investments to pay off debt,</li>
<li>Which debts to pay off first,</li>
<li>When it makes sense to stop investing.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3e7b6d4-f8a2-11ec-a00f-b71cdf5155b8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9574668391.mp3?updated=1657312363" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> I Got Burned by a Crypto Scam (Hour 1)</title>
      <description>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Ken Coleman &amp; George Kamel discuss:

Rebuilding a business after a move,

Picking up the pieces after a crypto scam,

Bad TikTok investing advice,

Renting a car without a credit card.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Jul 2022 05:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Ken Coleman &amp; George Kamel discuss:

Rebuilding a business after a move,

Picking up the pieces after a crypto scam,

Bad TikTok investing advice,

Renting a car without a credit card.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Free Livestream: Is the housing market going to crash? Register now: <a href="https://bit.ly/3n9bhyR">https://bit.ly/3n9bhyR</a></p><p><br></p><p>Ken Coleman &amp; George Kamel discuss:</p><ul>
<li>Rebuilding a business after a move,</li>
<li>Picking up the pieces after a crypto scam,</li>
<li>Bad TikTok investing advice,</li>
<li>Renting a car without a credit card.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7360249c-f8a2-11ec-839a-9b94bec224b9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9407237184.mp3?updated=1657309983" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Parents Don’t Get a Vote! (Hour 3)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Fighting a custody battle when you can't afford an attorney,

Why your parents don't get a vote on your side hustle choice,

Trading in a vehicle vs. repairing it,

Whether or not to sell the business,

Paying for a wedding during Baby Step 2.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Jul 2022 21:19:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Fighting a custody battle when you can't afford an attorney,

Why your parents don't get a vote on your side hustle choice,

Trading in a vehicle vs. repairing it,

Whether or not to sell the business,

Paying for a wedding during Baby Step 2.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Fighting a custody battle when you can't afford an attorney,</li>
<li>Why your parents don't get a vote on your side hustle choice,</li>
<li>Trading in a vehicle vs. repairing it,</li>
<li>Whether or not to sell the business,</li>
<li>Paying for a wedding during Baby Step 2.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c507fae4-f8a3-11ec-8717-5b3b743a13b2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3866879298.mp3?updated=1657229096" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Building a House vs. Buying One (Hour 2)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Paying for law school,

Making payments for a cell phone,

Building a house vs. buying a house,

How to get started budgeting.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Jul 2022 20:23:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Paying for law school,

Making payments for a cell phone,

Building a house vs. buying a house,

How to get started budgeting.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Paying for law school,</li>
<li>Making payments for a cell phone,</li>
<li>Building a house vs. buying a house,</li>
<li>How to get started budgeting.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3d20294-f8a2-11ec-a00f-d3746fce62a6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7061767675.mp3?updated=1657225726" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Use a Sinking Fund or an Emergency Fund? (Hour 1)</title>
      <description>Dr. John Delony &amp; Rachel Cruze discuss:

Sinking funds vs. emergency funds,

Should you make your kids tithe?

How to budget for months with less income,

I feel like I'm running out of time to save.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Jul 2022 19:56:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; Rachel Cruze discuss:

Sinking funds vs. emergency funds,

Should you make your kids tithe?

How to budget for months with less income,

I feel like I'm running out of time to save.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; Rachel Cruze discuss:</p><ul>
<li>Sinking funds vs. emergency funds,</li>
<li>Should you make your kids tithe?</li>
<li>How to budget for months with less income,</li>
<li>I feel like I'm running out of time to save.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[73505d6e-f8a2-11ec-839a-6b051f865349]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4043047371.mp3?updated=1657224125" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Stay on Track During the Baby Steps? (Hour 3)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:


Financially preparing to blend families,

Staying on track during the baby steps,

How to roll over a 401(k),

How to move on financially after a divorce.

﻿

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Jul 2022 21:42:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:


Financially preparing to blend families,

Staying on track during the baby steps,

How to roll over a 401(k),

How to move on financially after a divorce.

﻿

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:
</p><ul>
<li>Financially preparing to blend families,</li>
<li>Staying on track during the baby steps,</li>
<li>How to roll over a 401(k),</li>
<li>How to move on financially after a divorce.</li>
</ul><p>﻿
</p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4f77d18-f8a3-11ec-8717-8f4e824de92e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9278253277.mp3?updated=1657144083" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Live in a Van (Down By The River)? (Hour 2)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

Quitting a side job to spend more time with family,

Selling your house to live in a van (down by the river),

Holding to your values while dating,

How long to stay in baby step 3b.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Jul 2022 20:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

Quitting a side job to spend more time with family,

Selling your house to live in a van (down by the river),

Holding to your values while dating,

How long to stay in baby step 3b.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>Quitting a side job to spend more time with family,</li>
<li>Selling your house to live in a van (down by the river),</li>
<li>Holding to your values while dating,</li>
<li>How long to stay in baby step 3b.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3bcbf4c-f8a2-11ec-a00f-036b98ffb2cc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9193395317.mp3?updated=1657140080" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> I Feel Like I’ll Never Get Out of Debt (Hour 1)</title>
      <description>Rachel Cruze &amp; Dr. John Delony discuss:

What to do when you feel like you'll never get done with baby step 2,

Owing money to family,

Why married couples should combine bank accounts,

Planning for a lower income job in the future.

 
 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Jul 2022 20:15:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Dr. John Delony discuss:

What to do when you feel like you'll never get done with baby step 2,

Owing money to family,

Why married couples should combine bank accounts,

Planning for a lower income job in the future.

 
 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Dr. John Delony discuss:</p><ul>
<li>What to do when you feel like you'll never get done with baby step 2,</li>
<li>Owing money to family,</li>
<li>Why married couples should combine bank accounts,</li>
<li>Planning for a lower income job in the future.</li>
</ul><p> </p><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7340f4aa-f8a2-11ec-839a-2ff29cea60e5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1978250832.mp3?updated=1657138872" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Preparing Financially for a Baby (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Building an emergency fund vs. paying off debt,

Paying off an adult child's mortgage,

The best way to further your career.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Jul 2022 21:29:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Building an emergency fund vs. paying off debt,

Paying off an adult child's mortgage,

The best way to further your career.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Building an emergency fund vs. paying off debt,</li>
<li>Paying off an adult child's mortgage,</li>
<li>The best way to further your career.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4e73958-f8a3-11ec-8717-ff9a689e5265]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8736948024.mp3?updated=1657056878" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Too Late for Me To Change Jobs? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

How to fix a major loss at your company,

Is it ever too late to change jobs?

Helping a grandchild in college.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Jul 2022 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

How to fix a major loss at your company,

Is it ever too late to change jobs?

Helping a grandchild in college.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>How to fix a major loss at your company,</li>
<li>Is it ever too late to change jobs?</li>
<li>Helping a grandchild in college.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3a950c4-f8a2-11ec-a00f-4bedfaefc12f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2041125048.mp3?updated=1657054702" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>At What Point Can I Self-Insure? (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Self-insuring for long-term care insurance,

The best way to find scholarships,

Fixed index annuities.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Jul 2022 20:54:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Self-insuring for long-term care insurance,

The best way to find scholarships,

Fixed index annuities.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Self-insuring for long-term care insurance,</li>
<li>The best way to find scholarships,</li>
<li>Fixed index annuities.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7331a00e-f8a2-11ec-839a-4f06f736780c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2055641431.mp3?updated=1657054766" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Should I Start Looking for a New Job? (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to pay for college,

What your best investing options are,

How much to save for a house down payment.</description>
      <pubDate>Mon, 04 Jul 2022 21:25:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to pay for college,

What your best investing options are,

How much to save for a house down payment.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to pay for college,</li>
<li>What your best investing options are,</li>
<li>How much to save for a house down payment.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c4d6c820-f8a3-11ec-8717-43aa53fbdd10]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4833834254.mp3?updated=1656969989" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Get Back on Track With Your Budgeting (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Why it’s important to get a realtor,

Getting on track with your budgeting,

How to get on the same page about supporting a family member.</description>
      <pubDate>Mon, 04 Jul 2022 21:02:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Why it’s important to get a realtor,

Getting on track with your budgeting,

How to get on the same page about supporting a family member.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Why it’s important to get a realtor,</li>
<li>Getting on track with your budgeting,</li>
<li>How to get on the same page about supporting a family member.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3956d70-f8a2-11ec-a00f-47637f69268b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8498821810.mp3?updated=1656968623" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should I Do With a Car Accident Settlement? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Whether or not to buy a newer car,

Where you should direct your retirement funds,

Term life insurance</description>
      <pubDate>Mon, 04 Jul 2022 19:46:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Whether or not to buy a newer car,

Where you should direct your retirement funds,

Term life insurance</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Whether or not to buy a newer car,</li>
<li>Where you should direct your retirement funds,</li>
<li>Term life insurance</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7321cc56-f8a2-11ec-839a-87ae966c4347]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4120501375.mp3?updated=1656964000" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm Getting a $3.5 Million Settlement...What Should I Do With It? (Hour 3)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Starting a business,

Making a decision about a workplace vaccine mandate,

What to do with a large settlement.</description>
      <pubDate>Fri, 01 Jul 2022 21:21:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Starting a business,

Making a decision about a workplace vaccine mandate,

What to do with a large settlement.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Starting a business,</li>
<li>Making a decision about a workplace vaccine mandate,</li>
<li>What to do with a large settlement.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[81415a32-f7e3-11ec-8b2f-d3e1f636834e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1914954192.mp3?updated=1656710639" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Are the Best Mutual Funds To Invest In? (Hour 2)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

The different types of mutual funds,

Figuring out your next financial goal,

How to pay off your car.</description>
      <pubDate>Fri, 01 Jul 2022 21:20:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

The different types of mutual funds,

Figuring out your next financial goal,

How to pay off your car.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>The different types of mutual funds,</li>
<li>Figuring out your next financial goal,</li>
<li>How to pay off your car.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[474b7286-f7e3-11ec-9abd-1f769a88063b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4727151379.mp3?updated=1656710491" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My College Is Free but I Don't Want To Go (Hour 1)</title>
      <description>George Kamel &amp; Dr. John Delony discuss:

Whether or not a 30-year mortgage can be better than a 15-year,

How to build wealth after college,

Why you shouldn’t try to “game” the credit card system.</description>
      <pubDate>Fri, 01 Jul 2022 19:41:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:

Whether or not a 30-year mortgage can be better than a 15-year,

How to build wealth after college,

Why you shouldn’t try to “game” the credit card system.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p><ul>
<li>Whether or not a 30-year mortgage can be better than a 15-year,</li>
<li>How to build wealth after college,</li>
<li>Why you shouldn’t try to “game” the credit card system.</li>
</ul>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e11c7e60-f7e2-11ec-ac9f-a7a68c96900e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2491654331.mp3?updated=1656704601" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Help People by Enabling Them (Hour 3)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Do we need a consultant for our business,

Being proactive with money,

Family that always asks for money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 30 Jun 2022 21:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Do we need a consultant for our business,

Being proactive with money,

Family that always asks for money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Do we need a consultant for our business,</li>
<li>Being proactive with money,</li>
<li>Family that always asks for money.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[81332b9c-f7e3-11ec-8b2f-a7f5aa533686]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1045269330.mp3?updated=1656625157" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You’re Out of Debt, Now What? (Hour 2)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Doing Baby Steps 4, 5 &amp; 6 all at once,

Paying off rental property,

Preparing to live off one income,

Selling a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 30 Jun 2022 20:35:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Doing Baby Steps 4, 5 &amp; 6 all at once,

Paying off rental property,

Preparing to live off one income,

Selling a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Doing Baby Steps 4, 5 &amp; 6 all at once,</li>
<li>Paying off rental property,</li>
<li>Preparing to live off one income,</li>
<li>Selling a business.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[473bb95e-f7e3-11ec-9abd-c78f1dc7dfac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4643949306.mp3?updated=1656621482" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Try To Game the System! (Hour 1)</title>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:

Paying off an expensive car loan,

Getting gold as a wedding gift,

Can I give my kids a W-2 for doing chores.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 30 Jun 2022 19:55:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:

Paying off an expensive car loan,

Getting gold as a wedding gift,

Can I give my kids a W-2 for doing chores.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p><ul>
<li>Paying off an expensive car loan,</li>
<li>Getting gold as a wedding gift,</li>
<li>Can I give my kids a W-2 for doing chores.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e10ab608-f7e2-11ec-ac9f-b7bf9f07911d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6613666581.mp3?updated=1656619064" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting Gazelle Intense With Your Spouse (Hour 3)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Life after the death of a spouse,

Using credit cards to invest,

How to get gazelle intense,

Switching our business focus.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 29 Jun 2022 21:25:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Life after the death of a spouse,

Using credit cards to invest,

How to get gazelle intense,

Switching our business focus.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Life after the death of a spouse,</li>
<li>Using credit cards to invest,</li>
<li>How to get gazelle intense,</li>
<li>Switching our business focus.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8124db78-f7e3-11ec-8b2f-2f22fbf56995]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8134296277.mp3?updated=1656538211" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Parent Plus Loans Are a Bad Idea (Hour 2)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

Are land leases a good idea,

Paying off a parent plus loan with a 401K,

What to do after Baby Step 7,

Is a career change a good idea. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 29 Jun 2022 20:32:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

Are land leases a good idea,

Paying off a parent plus loan with a 401K,

What to do after Baby Step 7,

Is a career change a good idea. 

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>Are land leases a good idea,</li>
<li>Paying off a parent plus loan with a 401K,</li>
<li>What to do after Baby Step 7,</li>
<li>Is a career change a good idea. </li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[472c12d8-f7e3-11ec-9abd-efdfe2bad91a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7036605940.mp3?updated=1656535072" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Is a Bear Market and How Long Will We Be in One? (Hour 1)</title>
      <description>Dave Ramsey &amp; George Kamel discuss:

How to handle a large settlement,

Moving 401k investments,

What is bear market and how long will we be in one,

Preparing for twins,

The risk of employee stock options.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 29 Jun 2022 19:47:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:

How to handle a large settlement,

Moving 401k investments,

What is bear market and how long will we be in one,

Preparing for twins,

The risk of employee stock options.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p><ul>
<li>How to handle a large settlement,</li>
<li>Moving 401k investments,</li>
<li>What is bear market and how long will we be in one,</li>
<li>Preparing for twins,</li>
<li>The risk of employee stock options.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e0f97e56-f7e2-11ec-ac9f-e3de2b58d199]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1345151515.mp3?updated=1656531879" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ignoring Your Money Problems Won’t Make Them Go Away (Hour 3)</title>
      <description>Dave Ramsey &amp; John Delony discuss:

What happens when you ignore medical debt,

The aftermath of identity theft,

Family that keeps asking for money


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 28 Jun 2022 21:39:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; John Delony discuss:

What happens when you ignore medical debt,

The aftermath of identity theft,

Family that keeps asking for money


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; John Delony discuss:</p><ul>
<li>What happens when you ignore medical debt,</li>
<li>The aftermath of identity theft,</li>
<li>Family that keeps asking for money</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <guid isPermaLink="false"><![CDATA[06170bd4-f25e-11ec-88c5-a76c0394b074]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4794952755.mp3?updated=1656452346" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Don’t Feel Like I Am Taking Care of My Family (Hour 2)</title>
      <description>Dave Ramsey &amp; John Delony discuss:

Pulling money out of the stock market to buy a house

Feeling like you are failing your family,

What to do with your time after retirement,

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 28 Jun 2022 20:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; John Delony discuss:

Pulling money out of the stock market to buy a house

Feeling like you are failing your family,

What to do with your time after retirement,

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; John Delony discuss:</p><ul>
<li>Pulling money out of the stock market to buy a house</li>
<li>Feeling like you are failing your family,</li>
<li>What to do with your time after retirement,</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cdf08410-f25d-11ec-93dc-07a2ce001066]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5284362663.mp3?updated=1656448555" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Never Too Early To Make a Plan for Your Money (Hour 1)</title>
      <description>Dave Ramsey &amp; John Delony discuss:

Is a house re-fi the right option,

What kinds of insurance you need,

When spouses don't agree on paying for the kid's college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 28 Jun 2022 19:44:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; John Delony discuss:

Is a house re-fi the right option,

What kinds of insurance you need,

When spouses don't agree on paying for the kid's college.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; John Delony discuss:</p><ul>
<li>Is a house re-fi the right option,</li>
<li>What kinds of insurance you need,</li>
<li>When spouses don't agree on paying for the kid's college.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8d34ac44-f25d-11ec-978f-570459a8266a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3856354567.mp3?updated=1656445766" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Mom Won’t Give Me My Money! (Hour 3)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Borrowing money to buy family land.

Handling a trust fund,

Buying farm equipment for the tax benefit,

What to do with a divorce settlement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 27 Jun 2022 21:40:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Borrowing money to buy family land.

Handling a trust fund,

Buying farm equipment for the tax benefit,

What to do with a divorce settlement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Borrowing money to buy family land.</li>
<li>Handling a trust fund,</li>
<li>Buying farm equipment for the tax benefit,</li>
<li>What to do with a divorce settlement.</li>
</ul><p><br></p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX%20">https://bit.ly/3nInETX </a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <guid isPermaLink="false"><![CDATA[0608846a-f25e-11ec-88c5-9b013ab5908a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6349004537.mp3?updated=1656366068" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do You Help a Friend That Makes Bad Financial Decisions? (Hour 2)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Getting my live-in girlfriend to pay off debt,

Using donor advised funds for giving,

Buying a rental property,

Helping a friend get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 27 Jun 2022 21:00:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Getting my live-in girlfriend to pay off debt,

Using donor advised funds for giving,

Buying a rental property,

Helping a friend get out of debt.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Getting my live-in girlfriend to pay off debt,</li>
<li>Using donor advised funds for giving,</li>
<li>Buying a rental property,</li>
<li>Helping a friend get out of debt.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <guid isPermaLink="false"><![CDATA[cddf8e30-f25d-11ec-93dc-5f836574b889]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3337488066.mp3?updated=1656362334" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Owe Almost $100,000 in Car Loans! (Hour 1)</title>
      <description>Dave Ramsey &amp; Ken Coleman discuss:

Buying cars when you don't have the cash,

Finding a new career path,

Leaving a creative job for a trade,

Owing almost $100K in car loans.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 27 Jun 2022 20:56:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:

Buying cars when you don't have the cash,

Finding a new career path,

Leaving a creative job for a trade,

Owing almost $100K in car loans.

 
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p><ul>
<li>Buying cars when you don't have the cash,</li>
<li>Finding a new career path,</li>
<li>Leaving a creative job for a trade,</li>
<li>Owing almost $100K in car loans.</li>
</ul><p> </p><p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p><p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <guid isPermaLink="false"><![CDATA[8d229770-f25d-11ec-978f-e782400c9793]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7918608644.mp3?updated=1656362275" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Negotiate a Raise With My Employer? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06242022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Negotiating a raise,
 Buying a company,
 Should you buy homes for your adult kids.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 24 Jun 2022 21:19:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/298d3fa4-f405-11ec-8044-6f95e8676ba1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Negotiating a raise, Buying a company, Should you buy homes for your adult kids.    Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Negotiating a raise,
 Buying a company,
 Should you buy homes for your adult kids.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Negotiating a raise,</li> <li>Buying a company,</li> <li>Should you buy homes for your adult kids.</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[28167ebd-d71f-4740-8fcd-0e59521b8885]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9631459487.mp3?updated=1656108194" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pay Off the House or Invest the Money? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06242022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  What to do if your 401(k) contributions were sent back to you,
 Selling your home,
 Investing in gold,
 Paying off the house or investing instead,
 Leaving a job to start your own business.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 24 Jun 2022 20:15:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a96e0b2-f405-11ec-8044-cb946e50c340/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  What to do if your 401(k) contributions were sent back to you, Selling your home, Investing in gold, Paying off the house or investing instead, Leaving a job to start your own business.    Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  What to do if your 401(k) contributions were sent back to you,
 Selling your home,
 Investing in gold,
 Paying off the house or investing instead,
 Leaving a job to start your own business.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>What to do if your 401(k) contributions were sent back to you,</li> <li>Selling your home,</li> <li>Investing in gold,</li> <li>Paying off the house or investing instead,</li> <li>Leaving a job to start your own business.</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[50228d54-2ec2-43dd-bc66-b2d1bed29b33]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3036280211.mp3?updated=1656108194" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do NOT Get a HELOC To Buy a Rental! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06242022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Should you take advantage of your employer's tuition reimbursement,
 Whether or not to do a company 401(k) if it doesn't have a match,
 Why you shouldn't get a HELOC to buy a rental.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 24 Jun 2022 19:15:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b0e497c-f405-11ec-8044-5b38671f6596/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Should you take advantage of your employer's tuition reimbursement, Whether or not to do a company 401(k) if it doesn't have a match, Why you shouldn't get a HELOC to buy a rental.    Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Should you take advantage of your employer's tuition reimbursement,
 Whether or not to do a company 401(k) if it doesn't have a match,
 Why you shouldn't get a HELOC to buy a rental.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Should you take advantage of your employer's tuition reimbursement,</li> <li>Whether or not to do a company 401(k) if it doesn't have a match,</li> <li>Why you shouldn't get a HELOC to buy a rental.</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[65e79103-ae24-40dd-9b1c-64309683de55]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4227937647.mp3?updated=1656108195" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Know if I’m in the Right Career? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06232022-hour3</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Trying to find the right career,
 When to take a promotion,
 What to do when you feel like you're not making progress,
 Should you sell a house and move in with a parent?
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 23 Jun 2022 21:18:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bb79cd4-f405-11ec-8044-f31647e4b59a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Trying to find the right career, When to take a promotion, What to do when you feel like you're not making progress, Should you sell a house and move in with a parent?    Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Trying to find the right career,
 When to take a promotion,
 What to do when you feel like you're not making progress,
 Should you sell a house and move in with a parent?
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Trying to find the right career,</li> <li>When to take a promotion,</li> <li>What to do when you feel like you're not making progress,</li> <li>Should you sell a house and move in with a parent?</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6fb0c159-7e3a-4a55-8ee6-9091f8596b84]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6203710964.mp3?updated=1656108195" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Pay Off Student Loans? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06232022-hour2</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Dealing with news of a job loss,
 Buying a car after a lease,
 Whether or not to sell a house,
 The best way to pay off student loans.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 23 Jun 2022 20:15:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2ccd91d2-f405-11ec-8044-db323528f166/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Dealing with news of a job loss, Buying a car after a lease, Whether or not to sell a house, The best way to pay off student loans.    Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Dealing with news of a job loss,
 Buying a car after a lease,
 Whether or not to sell a house,
 The best way to pay off student loans.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Dealing with news of a job loss,</li> <li>Buying a car after a lease,</li> <li>Whether or not to sell a house,</li> <li>The best way to pay off student loans.</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7e70678f-a766-40c7-b73f-d63fb5b53c83]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4052730551.mp3?updated=1656108196" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Friends Are Pressuring Me To Get a Credit Card (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06232022-hour1</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Dealing with a work travel nightmare,
 When's the best time to sell your house,
 Athletes who lost money getting paid in bitcoin,
 How to handle friends who pressure you to get a credit card,
 Managing money after baby step 7.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 23 Jun 2022 19:15:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7be0a54a-f331-11ec-8e80-83360905cf81/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Dealing with a work travel nightmare, When's the best time to sell your house, Athletes who lost money getting paid in bitcoin, How to handle friends who pressure you to get a credit card, Managing money...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Dealing with a work travel nightmare,
 When's the best time to sell your house,
 Athletes who lost money getting paid in bitcoin,
 How to handle friends who pressure you to get a credit card,
 Managing money after baby step 7.
   
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Dealing with a work travel nightmare,</li> <li>When's the best time to sell your house,</li> <li>Athletes who lost money getting paid in bitcoin,</li> <li>How to handle friends who pressure you to get a credit card,</li> <li>Managing money after baby step 7.</li> </ul> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[765936f7-5ef3-4036-989c-ea6490a083c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4167374946.mp3?updated=1656017154" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s a Baby Steps Millionaires Theme Hour! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06222022-hour3</link>
      <description>Dave Ramsey &amp; Kristina Ellis hear from callers with a net worth of a million dollars or more in this Baby Steps Millionaires Theme Hour.
  
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 22 Jun 2022 21:18:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d5431d72-f2f8-11ec-a02d-2feab67102e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis hear from callers with a net worth of a million dollars or more in this Baby Steps Millionaires Theme Hour.   Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis hear from callers with a net worth of a million dollars or more in this Baby Steps Millionaires Theme Hour.
  
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis hear from callers with a net worth of a million dollars or more in this Baby Steps Millionaires Theme Hour.</p> <p> </p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0a3b5a4f-7ace-4c98-bae5-d824bcfa2bcd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9686268692.mp3?updated=1655997364" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Can I Take a Vacation? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06222022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Moving from intensity to intentionality,
 Preparing for a disability later in life,
 How to financially prepare for college for a child with a disability,
 The financial implications of shacking up.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 22 Jun 2022 20:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d5adf4d0-f2f8-11ec-a02d-636b0db35a28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Moving from intensity to intentionality, Preparing for a disability later in life, How to financially prepare for college for a child with a disability, The financial implications of shacking up.  Want a plan...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Moving from intensity to intentionality,
 Preparing for a disability later in life,
 How to financially prepare for college for a child with a disability,
 The financial implications of shacking up.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Moving from intensity to intentionality,</li> <li>Preparing for a disability later in life,</li> <li>How to financially prepare for college for a child with a disability,</li> <li>The financial implications of shacking up.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0aa8f36f-5db0-4fec-ad3d-18f785e390cd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3695231198.mp3?updated=1655992883" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Attitude Is More Important Than Square Footage (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06222022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Selling your home vs. renting it out,
 Why being satisfied with the size of your home is more about your attitude than square footage,
 Diversifying your investments,
 Repairing a car vs. buying a new one,
 Should I wait for student loan forgiveness?
 How to best manage an inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 22 Jun 2022 19:16:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d60a811e-f2f8-11ec-a02d-cfcf5c5a0824/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Selling your home vs. renting it out, Why being satisfied with the size of your home is more about your attitude than square footage, Diversifying your investments, Repairing a car vs. buying a new one,...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Selling your home vs. renting it out,
 Why being satisfied with the size of your home is more about your attitude than square footage,
 Diversifying your investments,
 Repairing a car vs. buying a new one,
 Should I wait for student loan forgiveness?
 How to best manage an inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Selling your home vs. renting it out,</li> <li>Why being satisfied with the size of your home is more about your attitude than square footage,</li> <li>Diversifying your investments,</li> <li>Repairing a car vs. buying a new one,</li> <li>Should I wait for student loan forgiveness?</li> <li>How to best manage an inheritance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a07720fe-3c06-400a-9a5e-7c1c4329dbd5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2689141370.mp3?updated=1655992884" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Am I Being Too Gazelle Intense? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06212022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you sell your house to pay off debt,
 How to know if you should fire your financial advisor,
 Is it possible to be too gazelle intense?
 Should I take out a loan to pay off my other loans?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 21 Jun 2022 21:18:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e8b813e-f1b6-11ec-91e7-fb1eeace3d84/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you sell your house to pay off debt, How to know if you should fire your financial advisor, Is it possible to be too gazelle intense? Should I take out a loan to pay off my other loans?  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you sell your house to pay off debt,
 How to know if you should fire your financial advisor,
 Is it possible to be too gazelle intense?
 Should I take out a loan to pay off my other loans?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you sell your house to pay off debt,</li> <li>How to know if you should fire your financial advisor,</li> <li>Is it possible to be too gazelle intense?</li> <li>Should I take out a loan to pay off my other loans?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7e024701-8bc4-4ffc-906e-c6f00d05fe6a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3121571349.mp3?updated=1655852882" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Like I’m Parenting My Wife Over Money (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06212022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Does it make sense to save for a house if you have employer-provided housing?
 How to avoid parenting a spouse over money,
 Why rent-to-own is a terrible idea,
 How to get back on track with budgeting,
 Preparing for an untaxed bonus.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 21 Jun 2022 20:15:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1ee9350e-f1b6-11ec-91e7-f753368444ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Does it make sense to save for a house if you have employer-provided housing? How to avoid parenting a spouse over money, Why rent-to-own is a terrible idea, How to get back on track with budgeting, Preparing...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Does it make sense to save for a house if you have employer-provided housing?
 How to avoid parenting a spouse over money,
 Why rent-to-own is a terrible idea,
 How to get back on track with budgeting,
 Preparing for an untaxed bonus.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Does it make sense to save for a house if you have employer-provided housing?</li> <li>How to avoid parenting a spouse over money,</li> <li>Why rent-to-own is a terrible idea,</li> <li>How to get back on track with budgeting,</li> <li>Preparing for an untaxed bonus.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[110a9d7b-070b-4f44-9c51-9a9d2dd3017c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1543714915.mp3?updated=1655852884" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Start a GoFundMe To Pay Off Our Debt? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06212022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  What to do when you have no idea where your money is going,
 Should you start a GoFundMe to pay off debt when you get married?
 Choosing between career options.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 21 Jun 2022 19:15:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f4a1202-f1b6-11ec-91e7-2f18169845dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  What to do when you have no idea where your money is going, Should you start a GoFundMe to pay off debt when you get married? Choosing between career options.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  What to do when you have no idea where your money is going,
 Should you start a GoFundMe to pay off debt when you get married?
 Choosing between career options.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>What to do when you have no idea where your money is going,</li> <li>Should you start a GoFundMe to pay off debt when you get married?</li> <li>Choosing between career options.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80687f6f-16c8-4c8f-af91-2c4b02977bcc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8393023165.mp3?updated=1655852886" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>More Money Isn’t Worth a Toxic Work Environment (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06202022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  When it makes sense to sell a rental to pay off another one,
 Is it too late to change jobs?
 Should you sell the truck for a fuel-efficient vehicle?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 20 Jun 2022 21:18:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1fb083ac-f1b6-11ec-91e7-23e5bd05e5f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  When it makes sense to sell a rental to pay off another one, Is it too late to change jobs? Should you sell the truck for a fuel-efficient vehicle?  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  When it makes sense to sell a rental to pay off another one,
 Is it too late to change jobs?
 Should you sell the truck for a fuel-efficient vehicle?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>When it makes sense to sell a rental to pay off another one,</li> <li>Is it too late to change jobs?</li> <li>Should you sell the truck for a fuel-efficient vehicle?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd074a89-753e-4308-844d-c3f74e5b5f55]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7345476599.mp3?updated=1655852886" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>HELOC for a Dungeons &amp; Dragons Man-Cave? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06202022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  How to handle money in college,
 Counseling a brother-in-law who wants to borrow money to build a Dungeons &amp; Dragons man-cave.
 What to do when your rent goes up.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 20 Jun 2022 20:15:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/201b92a0-f1b6-11ec-91e7-e38da774478b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  How to handle money in college, Counseling a brother-in-law who wants to borrow money to build a Dungeons &amp; Dragons man-cave. What to do when your rent goes up.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  How to handle money in college,
 Counseling a brother-in-law who wants to borrow money to build a Dungeons &amp; Dragons man-cave.
 What to do when your rent goes up.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>How to handle money in college,</li> <li>Counseling a brother-in-law who wants to borrow money to build a Dungeons &amp; Dragons man-cave.</li> <li>What to do when your rent goes up.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4066e4b9-cde8-49ef-89a6-eb247f645d18]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2839546811.mp3?updated=1655852887" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell the Car or Pay It Off? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06202022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  When it makes sense to create a charity foundation,
 Selling a car vs. paying it off,
 The fastest way to knock out student loan debt,
 Using savings to pay off the house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 20 Jun 2022 19:15:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2086482a-f1b6-11ec-91e7-97ab348d9731/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  When it makes sense to create a charity foundation, Selling a car vs. paying it off, The fastest way to knock out student loan debt, Using savings to pay off the house.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  When it makes sense to create a charity foundation,
 Selling a car vs. paying it off,
 The fastest way to knock out student loan debt,
 Using savings to pay off the house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>When it makes sense to create a charity foundation,</li> <li>Selling a car vs. paying it off,</li> <li>The fastest way to knock out student loan debt,</li> <li>Using savings to pay off the house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1095d6f7-d93d-4771-b4b4-6eeeb2af4f9e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5589867071.mp3?updated=1655852887" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Are the Problem AND the Solution (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06172022-hour3</link>
      <description>Kristina Ellis &amp; George Kamel discuss:
  The truth about credit scores,
 Is bankruptcy the only option,
 Selling a rental to pay off a primary mortgage,
 How to buy a used car in this market,
 Student loan myths.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 17 Jun 2022 21:18:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/210a3892-f1b6-11ec-91e7-23da9407eca6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Kristina Ellis &amp; George Kamel discuss:  The truth about credit scores, Is bankruptcy the only option, Selling a rental to pay off a primary mortgage, How to buy a used car in this market, Student loan myths.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Kristina Ellis &amp; George Kamel discuss:
  The truth about credit scores,
 Is bankruptcy the only option,
 Selling a rental to pay off a primary mortgage,
 How to buy a used car in this market,
 Student loan myths.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kristina Ellis &amp; George Kamel discuss:</p> <ul> <li>The truth about credit scores,</li> <li>Is bankruptcy the only option,</li> <li>Selling a rental to pay off a primary mortgage,</li> <li>How to buy a used car in this market,</li> <li>Student loan myths.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[23a5d81f-d8b8-4f8e-92b5-af7b02929ccc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6625197049.mp3?updated=1655852888" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Hard Work Now Makes for an Easier Life Later (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06172022-hour2</link>
      <description>George Kamel &amp; Kristina Ellis discuss:
  Why you should stop investing in Baby Step 2,
 The power of compound interest,
 Paying off student loans that are in deferment,
 How a 16-year-old can set themselves up for success.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 17 Jun 2022 20:15:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/21af7a3c-f1b6-11ec-91e7-c3bf0a27716e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Kristina Ellis discuss:  Why you should stop investing in Baby Step 2, The power of compound interest, Paying off student loans that are in deferment, How a 16-year-old can set themselves up for success.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:
  Why you should stop investing in Baby Step 2,
 The power of compound interest,
 Paying off student loans that are in deferment,
 How a 16-year-old can set themselves up for success.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p> <ul> <li>Why you should stop investing in Baby Step 2,</li> <li>The power of compound interest,</li> <li>Paying off student loans that are in deferment,</li> <li>How a 16-year-old can set themselves up for success.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b156cd49-79ce-4a93-99d9-b2d747332e8b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1571723771.mp3?updated=1655852889" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Real Price of Credit Card Rewards (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06172022-hour1</link>
      <description>George Kamel &amp; Kristina Ellis discuss:
  Rising rent prices, 
 The freedom of being debt free, 
 Should teens be investing,
 The real price of credit card rewards.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 17 Jun 2022 19:15:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22217a7e-f1b6-11ec-91e7-ef8ae6d14b5b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Kristina Ellis discuss:  Rising rent prices,  The freedom of being debt free,  Should teens be investing, The real price of credit card rewards.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Kristina Ellis discuss:
  Rising rent prices, 
 The freedom of being debt free, 
 Should teens be investing,
 The real price of credit card rewards.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Kristina Ellis discuss:</p> <ul> <li>Rising rent prices, </li> <li>The freedom of being debt free, </li> <li>Should teens be investing,</li> <li>The real price of credit card rewards.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[63cb465c-4323-4a8a-8945-81911241ec25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8296583636.mp3?updated=1655852889" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My In-Laws Are Pressuring Us To Share an Inheritance (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06162022-hour3</link>
      <description> 
 Dave Ramsey &amp; George Kamel discuss:
  Waiting on the government to forgive your student loans,
 Investing in a TSP,
 The value of a dollar with Former Ambassador Nikki Haley,
 Should an inheritance be split fairly among siblings.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 16 Jun 2022 21:18:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2286de6e-f1b6-11ec-91e7-fbb07d504fb8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>  Dave Ramsey &amp; George Kamel discuss:  Waiting on the government to forgive your student loans, Investing in a TSP, The value of a dollar with Former Ambassador Nikki Haley, Should an inheritance be split fairly among siblings.  Want a plan...</itunes:subtitle>
      <itunes:summary> 
 Dave Ramsey &amp; George Kamel discuss:
  Waiting on the government to forgive your student loans,
 Investing in a TSP,
 The value of a dollar with Former Ambassador Nikki Haley,
 Should an inheritance be split fairly among siblings.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p> </p> <p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Waiting on the government to forgive your student loans,</li> <li>Investing in a TSP,</li> <li>The value of a dollar with Former Ambassador Nikki Haley,</li> <li>Should an inheritance be split fairly among siblings.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e1c2c054-9936-44aa-abc7-5360a01eafa8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3077896377.mp3?updated=1655852890" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave Ramsey Agrees With a Crypto CEO (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06162022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Teaching kids about cryptocurrency,
 Choosing a retirement plan,
 Paying off a car with savings,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 16 Jun 2022 20:15:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22e51902-f1b6-11ec-91e7-471272ad980e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Teaching kids about cryptocurrency, Choosing a retirement plan, Paying off a car with savings,  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Teaching kids about cryptocurrency,
 Choosing a retirement plan,
 Paying off a car with savings,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Teaching kids about cryptocurrency,</li> <li>Choosing a retirement plan,</li> <li>Paying off a car with savings,</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[886000a9-ae14-4fae-a87b-bce92ae0238b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6283038507.mp3?updated=1655852891" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The “Great” News About the Fed Raising Rates (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06162022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The Feds raising interest rates,
 Borrowing against the house to make repairs,
 The difference between a will and a trust,
 Getting rid of an underwater car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 16 Jun 2022 19:15:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23534ca6-f1b6-11ec-91e7-57d424b00241/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The Feds raising interest rates, Borrowing against the house to make repairs, The difference between a will and a trust, Getting rid of an underwater car.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The Feds raising interest rates,
 Borrowing against the house to make repairs,
 The difference between a will and a trust,
 Getting rid of an underwater car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The Feds raising interest rates,</li> <li>Borrowing against the house to make repairs,</li> <li>The difference between a will and a trust,</li> <li>Getting rid of an underwater car.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2a466a89-30e6-46eb-bb17-3fb86403dd9c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9172264700.mp3?updated=1655852893" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting a Career Back on Track After Trauma</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06152022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Getting a career back on track after trauma,
 Selling a house to pay off debt,
 Where to park an emergency fund, 
 How to be a good steward of an inheritance. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 15 Jun 2022 21:18:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23b26ccc-f1b6-11ec-91e7-2b213ec9b39a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Getting a career back on track after trauma, Selling a house to pay off debt, Where to park an emergency fund,  How to be a good steward of an inheritance.   Want a plan for your money? Find out where...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Getting a career back on track after trauma,
 Selling a house to pay off debt,
 Where to park an emergency fund, 
 How to be a good steward of an inheritance. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Getting a career back on track after trauma,</li> <li>Selling a house to pay off debt,</li> <li>Where to park an emergency fund, </li> <li>How to be a good steward of an inheritance. </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a0dcebb5-2338-4ddb-9d15-f793ad45c28e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3791242848.mp3?updated=1655852891" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Fear of Facing Bankruptcy</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06152022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Buying a house with no credit,
 Following the baby steps in order,
 The fear of facing bankruptcy,
 The difference between tithes and offerings
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 15 Jun 2022 20:15:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24146d46-f1b6-11ec-91e7-0395dc290935/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Buying a house with no credit, Following the baby steps in order, The fear of facing bankruptcy, The difference between tithes and offerings  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Buying a house with no credit,
 Following the baby steps in order,
 The fear of facing bankruptcy,
 The difference between tithes and offerings
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Buying a house with no credit,</li> <li>Following the baby steps in order,</li> <li>The fear of facing bankruptcy,</li> <li>The difference between tithes and offerings</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a49b9735-e357-4725-9a49-f0095a50e284]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9972736637.mp3?updated=1655852892" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let the Economic Bear Scare You</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06152022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  If moving up in house is a need or a want,
 The fear of changing jobs,
 Rebuilding the emergency fund,
 Feeling secure in your investments.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 15 Jun 2022 19:22:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/247e233a-f1b6-11ec-91e7-e36368de42dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  If moving up in house is a need or a want, The fear of changing jobs, Rebuilding the emergency fund, Feeling secure in your investments.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  If moving up in house is a need or a want,
 The fear of changing jobs,
 Rebuilding the emergency fund,
 Feeling secure in your investments.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>If moving up in house is a need or a want,</li> <li>The fear of changing jobs,</li> <li>Rebuilding the emergency fund,</li> <li>Feeling secure in your investments.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a837dcd8-68e5-4665-a9dd-22d699a06851]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7478141186.mp3?updated=1655852898" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Bear Market Has Arrived</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06142022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  What exactly is a "bear market"?
 How to help parents with money,
 Growing a small business,
 Should a married couple invest 15% of each of their paychecks, or just one of them?
 What to do when your house won't sell.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 14 Jun 2022 21:18:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24d57158-f1b6-11ec-91e7-33349df0be92/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  What exactly is a "bear market"? How to help parents with money, Growing a small business, Should a married couple invest 15% of each of their paychecks, or just one of them? What to do when your house won't...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  What exactly is a "bear market"?
 How to help parents with money,
 Growing a small business,
 Should a married couple invest 15% of each of their paychecks, or just one of them?
 What to do when your house won't sell.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>What exactly is a "bear market"?</li> <li>How to help parents with money,</li> <li>Growing a small business,</li> <li>Should a married couple invest 15% of each of their paychecks, or just one of them?</li> <li>What to do when your house won't sell.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[310e786e-0217-4526-aafe-92eae2ac7cdf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4258066008.mp3?updated=1655852893" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Borrow Money So Your Kid Can Play Beer Pong</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06142022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Getting your kids to go to school debt free,
 What to do when your boyfriend won't propose,
 Selling a rental house,
 The fastest way to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 14 Jun 2022 20:20:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/252f77a2-f1b6-11ec-91e7-2f6f4a8b356a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Getting your kids to go to school debt free, What to do when your boyfriend won't propose, Selling a rental house, The fastest way to pay off a house.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Getting your kids to go to school debt free,
 What to do when your boyfriend won't propose,
 Selling a rental house,
 The fastest way to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Getting your kids to go to school debt free,</li> <li>What to do when your boyfriend won't propose,</li> <li>Selling a rental house,</li> <li>The fastest way to pay off a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e576d466-efad-47d5-b5f0-28cee2a3235d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8810449341.mp3?updated=1655852894" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“Get Pissed Off for Greatness!”</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06142022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Buying property when saving up to build a house,
 How to handle a settlement from a car accident,
 What to do with a bad insurance policy,
 How intense to be in baby step 3.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 14 Jun 2022 19:14:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2590fdb0-f1b6-11ec-91e7-ffc605585842/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Buying property when saving up to build a house, How to handle a settlement from a car accident, What to do with a bad insurance policy, How intense to be in baby step 3.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Buying property when saving up to build a house,
 How to handle a settlement from a car accident,
 What to do with a bad insurance policy,
 How intense to be in baby step 3.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Buying property when saving up to build a house,</li> <li>How to handle a settlement from a car accident,</li> <li>What to do with a bad insurance policy,</li> <li>How intense to be in baby step 3.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[735ad678-a00a-4e91-b25e-e3154d4aeb25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6032540603.mp3?updated=1655852894" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Have $500k in Student Loan Debt</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06132022-hour3</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Tackling $500k of student loans,
 Doing the hard work now to make it easier later (instead of taking the easy way out now and dealing with hard things later),
 Saving for an engagement ring while paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 13 Jun 2022 21:18:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c8dc61c2-ec15-11ec-a7ad-2bfa0e597276/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Tackling $500k of student loans, Doing the hard work now to make it easier later (instead of taking the easy way out now and dealing with hard things later), Saving for an engagement ring while paying off...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Tackling $500k of student loans,
 Doing the hard work now to make it easier later (instead of taking the easy way out now and dealing with hard things later),
 Saving for an engagement ring while paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Tackling $500k of student loans,</li> <li>Doing the hard work now to make it easier later (instead of taking the easy way out now and dealing with hard things later),</li> <li>Saving for an engagement ring while paying off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eb4e9dd8-cc5e-4929-892c-ba9e47fbc673]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3765609590.mp3?updated=1655234254" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Buying More Stuff Won’t Make You Happy, with the Minimalists</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06132022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  The importance of teaching financial literacy to kids, with The Minimalists,
 Helping a father who doesn't have life insurance,
 Paying off debt vs. investing.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 13 Jun 2022 20:19:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9346cdc-ec15-11ec-a7ad-73e34b08937e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  The importance of teaching financial literacy to kids, with The Minimalists, Helping a father who doesn't have life insurance, Paying off debt vs. investing.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  The importance of teaching financial literacy to kids, with The Minimalists,
 Helping a father who doesn't have life insurance,
 Paying off debt vs. investing.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>The importance of teaching financial literacy to kids, with The Minimalists,</li> <li>Helping a father who doesn't have life insurance,</li> <li>Paying off debt vs. investing.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[82a1571b-4ea0-4b32-8939-54f059df32d4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8956351175.mp3?updated=1655234254" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Never Violate the Rule of Diversification</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06132022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Moving from self-employment to working for a company,
 The value of working during college,
 Why you should avoid single stocks and diversify,
 What to do after selling a rental house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 13 Jun 2022 19:19:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c98d1d50-ec15-11ec-a7ad-ff55b3897b3e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Moving from self-employment to working for a company, The value of working during college, Why you should avoid single stocks and diversify, What to do after selling a rental house.  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Moving from self-employment to working for a company,
 The value of working during college,
 Why you should avoid single stocks and diversify,
 What to do after selling a rental house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Moving from self-employment to working for a company,</li> <li>The value of working during college,</li> <li>Why you should avoid single stocks and diversify,</li> <li>What to do after selling a rental house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bf708f1e-bfe4-4c6c-b2a4-3c596f3b2b44]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5346740182.mp3?updated=1655234256" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Wait Until After College To Propose?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06102022-hour3</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  Whether or not to pay cash for a house or take out a mortgage,
 Waiting for insurance for car repairs or paying out of pocket,
 Getting out of debt while going through school,
 Should I propose now or wait until after college?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 10 Jun 2022 21:18:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9e78b64-ec15-11ec-a7ad-c72490f68ec5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  Whether or not to pay cash for a house or take out a mortgage, Waiting for insurance for car repairs or paying out of pocket, Getting out of debt while going through school, Should I propose now or wait until...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  Whether or not to pay cash for a house or take out a mortgage,
 Waiting for insurance for car repairs or paying out of pocket,
 Getting out of debt while going through school,
 Should I propose now or wait until after college?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>Whether or not to pay cash for a house or take out a mortgage,</li> <li>Waiting for insurance for car repairs or paying out of pocket,</li> <li>Getting out of debt while going through school,</li> <li>Should I propose now or wait until after college?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f784c7ba-2834-412b-824c-e374357f835b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1243749370.mp3?updated=1655234256" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Our Son’s Car Got Stolen</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06102022-hour2</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  When is gazelle intensity too much?
 Why buying a friend's owner-financed home is a bad idea,
 What to do when your car gets stolen.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</description>
      <pubDate>Fri, 10 Jun 2022 20:19:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca40b04a-ec15-11ec-a7ad-93b17ca3dc88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  When is gazelle intensity too much? Why buying a friend's owner-financed home is a bad idea, What to do when your car gets stolen.  Want a plan for your money? Find out where to start: </itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  When is gazelle intensity too much?
 Why buying a friend's owner-financed home is a bad idea,
 What to do when your car gets stolen.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>When is gazelle intensity too much?</li> <li>Why buying a friend's owner-financed home is a bad idea,</li> <li>What to do when your car gets stolen.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a9205984-4b1c-4728-89f2-d8e6634d6ee0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6603590749.mp3?updated=1655234256" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Talk to My Spouse About Money?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06102022-hour1</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  How to talk to your spouse about money,
 Paying off your mortgage as quickly as possible,
 LeBron James' billionaire status (and frugality),
 Dumb &amp; Dumber and various 90s movies.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 10 Jun 2022 19:19:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca9898dc-ec15-11ec-a7ad-3ba273c28eb8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  How to talk to your spouse about money, Paying off your mortgage as quickly as possible, LeBron James' billionaire status (and frugality), Dumb &amp; Dumber and various 90s movies.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  How to talk to your spouse about money,
 Paying off your mortgage as quickly as possible,
 LeBron James' billionaire status (and frugality),
 Dumb &amp; Dumber and various 90s movies.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>How to talk to your spouse about money,</li> <li>Paying off your mortgage as quickly as possible,</li> <li>LeBron James' billionaire status (and frugality),</li> <li>Dumb &amp; Dumber and various 90s movies.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6fc9ab8-e56a-4330-9496-2550fb90f060]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6324859402.mp3?updated=1655234257" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Participate in the Toxic Money Culture!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06092022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Renting vs. buying when moving to a new town,
 Bitcoin scams on the rise,
 Letting your student loans go to collections,
 How much to save for a downpayment,
 The best way to invest.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 09 Jun 2022 21:18:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/caef9d58-ec15-11ec-a7ad-57bede1e59fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Renting vs. buying when moving to a new town, Bitcoin scams on the rise, Letting your student loans go to collections, How much to save for a downpayment, The best way to invest.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Renting vs. buying when moving to a new town,
 Bitcoin scams on the rise,
 Letting your student loans go to collections,
 How much to save for a downpayment,
 The best way to invest.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Renting vs. buying when moving to a new town,</li> <li>Bitcoin scams on the rise,</li> <li>Letting your student loans go to collections,</li> <li>How much to save for a downpayment,</li> <li>The best way to invest.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[561078be-aec5-484c-879b-ee8b4d3827b7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9980664155.mp3?updated=1655234257" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Can’t Make Your Husband Grow a Brain</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06092022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Helping others manage money,
 The best way to sell your house,
 The best way to save money when you're rent-free,
 How to use an inheritance,
 What to do with a spouse who doesn't believe in saving for retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 09 Jun 2022 20:19:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb4664d0-ec15-11ec-a7ad-0b8503cebf88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Helping others manage money, The best way to sell your house, The best way to save money when you're rent-free, How to use an inheritance, What to do with a spouse who doesn't believe in saving for retirement. ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Helping others manage money,
 The best way to sell your house,
 The best way to save money when you're rent-free,
 How to use an inheritance,
 What to do with a spouse who doesn't believe in saving for retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Helping others manage money,</li> <li>The best way to sell your house,</li> <li>The best way to save money when you're rent-free,</li> <li>How to use an inheritance,</li> <li>What to do with a spouse who doesn't believe in saving for retirement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[565ee6c4-97d5-4e1f-b062-a5eaf1abfcfb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5883086182.mp3?updated=1655234258" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can We Afford for My Wife To Stay at Home?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06092022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  When it makes sense to get into real estate investing,
 Increasing retirement income,
 When it makes sense for a spouse to stay at home,
 Helping family with money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 09 Jun 2022 19:19:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb9d7478-ec15-11ec-a7ad-dffc7d8e9c87/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  When it makes sense to get into real estate investing, Increasing retirement income, When it makes sense for a spouse to stay at home, Helping family with money.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  When it makes sense to get into real estate investing,
 Increasing retirement income,
 When it makes sense for a spouse to stay at home,
 Helping family with money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>When it makes sense to get into real estate investing,</li> <li>Increasing retirement income,</li> <li>When it makes sense for a spouse to stay at home,</li> <li>Helping family with money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93e55041-90a1-4b06-a2fd-7d7444be8a1b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9554469848.mp3?updated=1655234258" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s Going On With the Real Estate Market Right Now?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06082022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Paying off the house or investing the money,
 Minimizing capital gains tax,
 How to tackle debt after you get married,
 Balancing a safe living situation with paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 08 Jun 2022 21:18:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cbf35550-ec15-11ec-a7ad-8be574372057/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Paying off the house or investing the money, Minimizing capital gains tax, How to tackle debt after you get married, Balancing a safe living situation with paying off debt.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Paying off the house or investing the money,
 Minimizing capital gains tax,
 How to tackle debt after you get married,
 Balancing a safe living situation with paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Paying off the house or investing the money,</li> <li>Minimizing capital gains tax,</li> <li>How to tackle debt after you get married,</li> <li>Balancing a safe living situation with paying off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a170bff5-c107-4889-a813-a0f5e0c5fae2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5264753798.mp3?updated=1655234259" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Forget What the Culture Says, You Should Combine Bank Accounts</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06082022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Should my wife and I split the mortgage and have separate checking accounts?
 Should I use our emergency fund to buy a car?
 How to help a spouse through a career change.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 08 Jun 2022 20:19:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc4a2b8c-ec15-11ec-a7ad-df0420891f6e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Should my wife and I split the mortgage and have separate checking accounts? Should I use our emergency fund to buy a car? How to help a spouse through a career change.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Should my wife and I split the mortgage and have separate checking accounts?
 Should I use our emergency fund to buy a car?
 How to help a spouse through a career change.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Should my wife and I split the mortgage and have separate checking accounts?</li> <li>Should I use our emergency fund to buy a car?</li> <li>How to help a spouse through a career change.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0f6ea8cf-6309-4054-bfb9-d2436da50bc9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5138359476.mp3?updated=1655234259" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Parents Don’t Get a Vote… Set Some Boundaries!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06082022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  When it makes sense to join a country club (and why people need to mind their own business),
 How to set healthy boundaries with your parents,
 Am I overreacting to my husband's purchase?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 08 Jun 2022 19:19:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cca05c28-ec15-11ec-a7ad-f3e15cee8fc4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  When it makes sense to join a country club (and why people need to mind their own business), How to set healthy boundaries with your parents, Am I overreacting to my husband's purchase?  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  When it makes sense to join a country club (and why people need to mind their own business),
 How to set healthy boundaries with your parents,
 Am I overreacting to my husband's purchase?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>When it makes sense to join a country club (and why people need to mind their own business),</li> <li>How to set healthy boundaries with your parents,</li> <li>Am I overreacting to my husband's purchase?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c2b4dc2-41d9-4d81-aaf5-5fb342551dff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7745063252.mp3?updated=1655234260" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Get Into Real Estate Development?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06072022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  What to do after you sell your house,
 Getting into real estate development as a career,
 Investing an inheritance or saving for a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 07 Jun 2022 21:18:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ccf6b780-ec15-11ec-a7ad-531a72cc46a0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  What to do after you sell your house, Getting into real estate development as a career, Investing an inheritance or saving for a house.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  What to do after you sell your house,
 Getting into real estate development as a career,
 Investing an inheritance or saving for a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>What to do after you sell your house,</li> <li>Getting into real estate development as a career,</li> <li>Investing an inheritance or saving for a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a603e3d4-08eb-4ec4-9811-e315bf5fc4e0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5515359469.mp3?updated=1655234260" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Get Out of Debt as a Single Mom?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06072022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  How to get my wife on board with the Ramsey plan,
 Tackling debt as a single mom,
 Preparing for a loved one's passing,
 Dealing with a dramatic drop in income.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 07 Jun 2022 20:19:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd4c8ae8-ec15-11ec-a7ad-a3bedfc3eedd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  How to get my wife on board with the Ramsey plan, Tackling debt as a single mom, Preparing for a loved one's passing, Dealing with a dramatic drop in income.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  How to get my wife on board with the Ramsey plan,
 Tackling debt as a single mom,
 Preparing for a loved one's passing,
 Dealing with a dramatic drop in income.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>How to get my wife on board with the Ramsey plan,</li> <li>Tackling debt as a single mom,</li> <li>Preparing for a loved one's passing,</li> <li>Dealing with a dramatic drop in income.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[16891708-bf33-4fac-be37-52bc87cf0b93]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4355015337.mp3?updated=1655234261" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Can I Afford To Self Insure?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06072022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  The possibility of self-insuring for long-term care insurance,
 The best way to find scholarships for college,
 Finding a side hustle with a criminal background,
 Balancing a side hustle with family time.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 07 Jun 2022 19:19:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cda3114c-ec15-11ec-a7ad-fb4d3d7e645a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  The possibility of self-insuring for long-term care insurance, The best way to find scholarships for college, Finding a side hustle with a criminal background, Balancing a side hustle with family time.  Want a...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  The possibility of self-insuring for long-term care insurance,
 The best way to find scholarships for college,
 Finding a side hustle with a criminal background,
 Balancing a side hustle with family time.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>The possibility of self-insuring for long-term care insurance,</li> <li>The best way to find scholarships for college,</li> <li>Finding a side hustle with a criminal background,</li> <li>Balancing a side hustle with family time.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[671e4296-f410-4936-a216-10c8e0b61fee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1126111160.mp3?updated=1655234261" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Prepare for an Upcoming Settlement?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06062022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Preparing for an upcoming settlement check,
 When changing jobs won't really help your situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 06 Jun 2022 21:18:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cdfbdfa2-ec15-11ec-a7ad-df18482a1f54/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Preparing for an upcoming settlement check, When changing jobs won't really help your situation.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Preparing for an upcoming settlement check,
 When changing jobs won't really help your situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Preparing for an upcoming settlement check,</li> <li>When changing jobs won't really help your situation.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[391e2f88-bc25-4a94-98da-834c9d635a17]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4769020496.mp3?updated=1655234262" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Sports Betting Addiction Is Not Cute</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06062022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  
Strong Fathers, Strong Daughters with Dr. Meg Meeker,
 Why sports betting isn't cute, it's a dangerous addiction,
 Deciding to sell a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 06 Jun 2022 20:19:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce532956-ec15-11ec-a7ad-a3ba9ee3c5d2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Strong Fathers, Strong Daughters with Dr. Meg Meeker, Why sports betting isn't cute, it's a dangerous addiction, Deciding to sell a business.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  
Strong Fathers, Strong Daughters with Dr. Meg Meeker,
 Why sports betting isn't cute, it's a dangerous addiction,
 Deciding to sell a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>
<em>Strong Fathers, Strong Daughters</em> with Dr. Meg Meeker,</li> <li>Why sports betting isn't cute, it's a dangerous addiction,</li> <li>Deciding to sell a business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bf15afd8-d950-4b3d-8633-8440d2174070]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5722137454.mp3?updated=1655234262" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Get a Reluctant Spouse on Board?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06062022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What's the best next step to take with your money,
 Using a personal credit card for corporate business expenses,
 Paying off your mortgage vs. investing,
 Getting a reluctant spouse on board with the plan.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 06 Jun 2022 19:19:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ceaafa1e-ec15-11ec-a7ad-d780a14ce9eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What's the best next step to take with your money, Using a personal credit card for corporate business expenses, Paying off your mortgage vs. investing, Getting a reluctant spouse on board with the plan. ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What's the best next step to take with your money,
 Using a personal credit card for corporate business expenses,
 Paying off your mortgage vs. investing,
 Getting a reluctant spouse on board with the plan.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What's the best next step to take with your money,</li> <li>Using a personal credit card for corporate business expenses,</li> <li>Paying off your mortgage vs. investing,</li> <li>Getting a reluctant spouse on board with the plan.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f34d070f-8669-4c77-98f5-11d79061378e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7819695368.mp3?updated=1655234262" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can We Increase Our Income?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06032022-hour3</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  How to increase your income,
 How banks are indoctrinating kids with debt,
 How to motivate a lazy husband,
 Should you take out a mortgage for more than 25% of your take-home pay?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 03 Jun 2022 21:17:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf017934-ec15-11ec-a7ad-03298528ef50/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  How to increase your income, How banks are indoctrinating kids with debt, How to motivate a lazy husband, Should you take out a mortgage for more than 25% of your take-home pay?  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  How to increase your income,
 How banks are indoctrinating kids with debt,
 How to motivate a lazy husband,
 Should you take out a mortgage for more than 25% of your take-home pay?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>How to increase your income,</li> <li>How banks are indoctrinating kids with debt,</li> <li>How to motivate a lazy husband,</li> <li>Should you take out a mortgage for more than 25% of your take-home pay?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e69d8f82-f581-4471-81d0-d27b99e93110]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5192141124.mp3?updated=1655234263" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Set Financial Boundaries With Family</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06032022-hour2</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Setting financial boundaries with family,
 Dealing with a spouse who refuses to work,
 Where to start with paying off your debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 03 Jun 2022 20:19:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf56af94-ec15-11ec-a7ad-4361d637d2bb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Setting financial boundaries with family, Dealing with a spouse who refuses to work, Where to start with paying off your debt.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Setting financial boundaries with family,
 Dealing with a spouse who refuses to work,
 Where to start with paying off your debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Setting financial boundaries with family,</li> <li>Dealing with a spouse who refuses to work,</li> <li>Where to start with paying off your debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[03a54815-34ff-443d-94f7-6d1904dfb7d5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6561126443.mp3?updated=1655234264" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>To Change Your Future You Have To Let Go of Your Past</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06032022-hour1</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Why you need to pay off your student loans,
 Paying off the house vs. investing that extra money,
 Untangling a messy housing situation,
 How to know when you're ready to retire.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 03 Jun 2022 19:19:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cfabe4a0-ec15-11ec-a7ad-6377dbaa341a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Why you need to pay off your student loans, Paying off the house vs. investing that extra money, Untangling a messy housing situation, How to know when you're ready to retire.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Why you need to pay off your student loans,
 Paying off the house vs. investing that extra money,
 Untangling a messy housing situation,
 How to know when you're ready to retire.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Why you need to pay off your student loans,</li> <li>Paying off the house vs. investing that extra money,</li> <li>Untangling a messy housing situation,</li> <li>How to know when you're ready to retire.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d0c9df65-aeaf-414f-aa2e-6aa041c2fbed]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7635831558.mp3?updated=1655234264" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Should We Be Investing Right Now? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06022022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  The best way to invest,
 How to move on after losing a spouse,
 Paying off debt vs. cash flowing college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 02 Jun 2022 21:17:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d019d9e2-ec15-11ec-a7ad-ff791c4d167d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  The best way to invest, How to move on after losing a spouse, Paying off debt vs. cash flowing college.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  The best way to invest,
 How to move on after losing a spouse,
 Paying off debt vs. cash flowing college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>The best way to invest,</li> <li>How to move on after losing a spouse,</li> <li>Paying off debt vs. cash flowing college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[069a24c2-4e1e-4bdc-b10b-34cd542e2d60]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3802951175.mp3?updated=1655234264" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why the Housing Market Is Different Than 2008</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06022022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you buy a house in cash?
 How this housing market is not the same as 2008's,
 Should you sell a house to get out of debt post-bankruptcy?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 02 Jun 2022 20:19:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d06d9ee2-ec15-11ec-a7ad-eb547a6e8186/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Should you buy a house in cash? How this housing market is not the same as 2008's, Should you sell a house to get out of debt post-bankruptcy?  Want a plan for your money? Find out where to start:  Listen...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you buy a house in cash?
 How this housing market is not the same as 2008's,
 Should you sell a house to get out of debt post-bankruptcy?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Should you buy a house in cash?</li> <li>How this housing market is not the same as 2008's,</li> <li>Should you sell a house to get out of debt post-bankruptcy?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[58212352-850b-43fb-94a3-17aeaa3db65c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6661641379.mp3?updated=1655234265" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Fire Your Accountant… He’s an Idiot</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06022022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Why you shouldn't buy an expensive new car for a tax write-off,
 Being a good steward of a large financial gift,
 How to win financially after beating a gambling addiction,
 When it makes sense to sell a rental property.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 02 Jun 2022 19:19:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d0c1c8a0-ec15-11ec-a7ad-db368bfc2d1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Why you shouldn't buy an expensive new car for a tax write-off, Being a good steward of a large financial gift, How to win financially after beating a gambling addiction, When it makes sense to sell a rental...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Why you shouldn't buy an expensive new car for a tax write-off,
 Being a good steward of a large financial gift,
 How to win financially after beating a gambling addiction,
 When it makes sense to sell a rental property.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Why you shouldn't buy an expensive new car for a tax write-off,</li> <li>Being a good steward of a large financial gift,</li> <li>How to win financially after beating a gambling addiction,</li> <li>When it makes sense to sell a rental property.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d863cf0f-cf6e-4304-a60f-3218034f6c8f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4105979598.mp3?updated=1655234265" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Feel Like We’ll Never Be Able To Afford a House</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06012022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Klarna's decline and the predatory BNPL industry,
 Is it okay to put less than 20% down on a house?
 What to do with extra money from a 529,
 Pausing the baby steps before a baby comes,
 Cashing out stocks to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 01 Jun 2022 21:18:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1155902-ec15-11ec-a7ad-bba091114b0c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Klarna's decline and the predatory BNPL industry, Is it okay to put less than 20% down on a house? What to do with extra money from a 529, Pausing the baby steps before a baby comes, Cashing out stocks to pay...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Klarna's decline and the predatory BNPL industry,
 Is it okay to put less than 20% down on a house?
 What to do with extra money from a 529,
 Pausing the baby steps before a baby comes,
 Cashing out stocks to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Klarna's decline and the predatory BNPL industry,</li> <li>Is it okay to put less than 20% down on a house?</li> <li>What to do with extra money from a 529,</li> <li>Pausing the baby steps before a baby comes,</li> <li>Cashing out stocks to pay off a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5a5c5a46-d01d-4abe-a4c5-f10e5fe4a700]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9748375464.mp3?updated=1655234266" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Start Flipping Houses?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06012022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to get on the same page as your significant other,
 The best way to get into real estate investing,
 Whether or not you can afford a Mustang,
 Making the mental shift to saving for a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 01 Jun 2022 20:19:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d16a4bd8-ec15-11ec-a7ad-8f65fdbb9533/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to get on the same page as your significant other, The best way to get into real estate investing, Whether or not you can afford a Mustang, Making the mental shift to saving for a house.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to get on the same page as your significant other,
 The best way to get into real estate investing,
 Whether or not you can afford a Mustang,
 Making the mental shift to saving for a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to get on the same page as your significant other,</li> <li>The best way to get into real estate investing,</li> <li>Whether or not you can afford a Mustang,</li> <li>Making the mental shift to saving for a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e6da078a-2cce-4d2c-98c0-d04d03890714]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7764261921.mp3?updated=1655234266" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Anybody Can Pay Off Debt and Change Their Future!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-06012022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The difference between a living will and a trust,
 What types of insurance you need (and don't need),
 Preparing to move out on your own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 01 Jun 2022 19:19:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1bfe124-ec15-11ec-a7ad-73e76a10b8fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The difference between a living will and a trust, What types of insurance you need (and don't need), Preparing to move out on your own.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The difference between a living will and a trust,
 What types of insurance you need (and don't need),
 Preparing to move out on your own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The difference between a living will and a trust,</li> <li>What types of insurance you need (and don't need),</li> <li>Preparing to move out on your own.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6feaffe2-8a47-4042-b744-f51ca28f6ab0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4935743372.mp3?updated=1655234267" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dude, You Are $430K Worth of Screwed!</title>
      <link>http://draudioarchives.libsyn.com/dude-you-are-430k-worth-of-screwed</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  The best investment strategies,
 How to get started after graduation,
 Selling your house to get out of debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 31 May 2022 21:39:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d215a3a2-ec15-11ec-a7ad-0f91496eca40/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  The best investment strategies, How to get started after graduation, Selling your house to get out of debt.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  The best investment strategies,
 How to get started after graduation,
 Selling your house to get out of debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>The best investment strategies,</li> <li>How to get started after graduation,</li> <li>Selling your house to get out of debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08a8827c-b30d-4c07-88cc-728e48ae06fb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6975609656.mp3?updated=1655234267" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Accept a New Job Offer?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05312022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Budgeting after you move out of your parents' house,
 Paying for college when your plans change,
 Knowing when to accept a new job offer.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 31 May 2022 20:19:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2691712-ec15-11ec-a7ad-db51a19ab869/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Budgeting after you move out of your parents' house, Paying for college when your plans change, Knowing when to accept a new job offer.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Budgeting after you move out of your parents' house,
 Paying for college when your plans change,
 Knowing when to accept a new job offer.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Budgeting after you move out of your parents' house,</li> <li>Paying for college when your plans change,</li> <li>Knowing when to accept a new job offer.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e280da55-5d83-4029-a24f-0ce40557cf42]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2559116110.mp3?updated=1655234268" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Moving From Intensity to Intentionality</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05312022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Buying a house when you're a penny pincher,
 Being intentional (vs. intense) in baby steps 4-6,
 Why you shouldn't help your fiancée with their debts until you're married.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 31 May 2022 19:19:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2bc407c-ec15-11ec-a7ad-bb309a2d778d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Buying a house when you're a penny pincher, Being intentional (vs. intense) in baby steps 4-6, Why you shouldn't help your fiancée with their debts until you're married.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Buying a house when you're a penny pincher,
 Being intentional (vs. intense) in baby steps 4-6,
 Why you shouldn't help your fiancée with their debts until you're married.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Buying a house when you're a penny pincher,</li> <li>Being intentional (vs. intense) in baby steps 4-6,</li> <li>Why you shouldn't help your fiancée with their debts until you're married.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0a2c9c7d-d796-498d-8a34-018a05b330bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4389429490.mp3?updated=1655234268" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Want To Be Able To Provide for My Future Family</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05302022-hour3</link>
      <description>Dave Ramsey and Dr. John Delony discuss:
  Using a gifted money to pay off debt,
 How to change your family tree financially,
 Navigating a move while your family is expecting.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Mon, 30 May 2022 21:17:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d30fd28c-ec15-11ec-a7ad-17c7ca23c89a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey and Dr. John Delony discuss:  Using a gifted money to pay off debt, How to change your family tree financially, Navigating a move while your family is expecting.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey and Dr. John Delony discuss:
  Using a gifted money to pay off debt,
 How to change your family tree financially,
 Navigating a move while your family is expecting.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey and Dr. John Delony discuss:</p> <ul> <li>Using a gifted money to pay off debt,</li> <li>How to change your family tree financially,</li> <li>Navigating a move while your family is expecting.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[40d8f6c0-da77-45d2-ad58-ec8509a44c9c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8363167946.mp3?updated=1655234269" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Deserve That New Car if You Can't Afford It!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05302022-hour2</link>
      <description>Dave Ramsey and Dr. John Delony discuss:
  Going on a family trip while paying off debt,
 Dealing with a grandparent’s messy estate,
 Navigating a lawsuit involving an ex-spouse’s car repo.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 30 May 2022 20:19:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3646d7e-ec15-11ec-a7ad-1f252d636723/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey and Dr. John Delony discuss:  Going on a family trip while paying off debt, Dealing with a grandparent’s messy estate, Navigating a lawsuit involving an ex-spouse’s car repo.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey and Dr. John Delony discuss:
  Going on a family trip while paying off debt,
 Dealing with a grandparent’s messy estate,
 Navigating a lawsuit involving an ex-spouse’s car repo.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey and Dr. John Delony discuss:</p> <ul> <li>Going on a family trip while paying off debt,</li> <li>Dealing with a grandparent’s messy estate,</li> <li>Navigating a lawsuit involving an ex-spouse’s car repo.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[437dae2c-7f88-4e9d-a8f1-32cc1f2985a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8017862034.mp3?updated=1655234269" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Use Extra Money Coming In</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05302022-hour1</link>
      <description>Dave Ramsey and Dr. John Delony discuss:
  How to allocate extra money coming in,
 Whether or not you can maintain a work/life balance in Baby Step 2,
 Giving financial advice to an in-law. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 30 May 2022 19:19:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3b9f0a0-ec15-11ec-a7ad-57c69f2bc941/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey and Dr. John Delony discuss:  How to allocate extra money coming in, Whether or not you can maintain a work/life balance in Baby Step 2, Giving financial advice to an in-law.   Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey and Dr. John Delony discuss:
  How to allocate extra money coming in,
 Whether or not you can maintain a work/life balance in Baby Step 2,
 Giving financial advice to an in-law. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey and Dr. John Delony discuss:</p> <ul> <li>How to allocate extra money coming in,</li> <li>Whether or not you can maintain a work/life balance in Baby Step 2,</li> <li>Giving financial advice to an in-law. </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d749be8a-e647-4118-b9c3-e8417fa97187]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7134716829.mp3?updated=1655234270" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m About To Get Married and I Want To Start Us Off on the Right Path!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05272022-hour3</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  How to prepare for married life,
 Should you put more money in your pension or an IRA,
 Splitting assets during a messy divorce,
 Buying or renting when you move to a new city,
 Awesome companies hiring special needs workers.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 27 May 2022 21:17:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d4170e2a-ec15-11ec-a7ad-2f712dc8ce57/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  How to prepare for married life, Should you put more money in your pension or an IRA, Splitting assets during a messy divorce, Buying or renting when you move to a new city, Awesome companies hiring special...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  How to prepare for married life,
 Should you put more money in your pension or an IRA,
 Splitting assets during a messy divorce,
 Buying or renting when you move to a new city,
 Awesome companies hiring special needs workers.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>How to prepare for married life,</li> <li>Should you put more money in your pension or an IRA,</li> <li>Splitting assets during a messy divorce,</li> <li>Buying or renting when you move to a new city,</li> <li>Awesome companies hiring special needs workers.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1b7fc164-80ba-450e-a0fe-cd3cd9abba76]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7879092055.mp3?updated=1655234270" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Live With My In-Laws and We Need To Get Out!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05272022-hour2</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Should you convert a traditional IRS to a Roth,
 How to ask for a raise,
 When is it time to walk away from your business,
 Using your savings to pay off debt,
 Preparing for a switch in careers,
 How to move out of your toxic in-law's house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 27 May 2022 20:18:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d46d3516-ec15-11ec-a7ad-2f98a973f0ba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Should you convert a traditional IRS to a Roth, How to ask for a raise, When is it time to walk away from your business, Using your savings to pay off debt, Preparing for a switch in careers, How to move out of...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Should you convert a traditional IRS to a Roth,
 How to ask for a raise,
 When is it time to walk away from your business,
 Using your savings to pay off debt,
 Preparing for a switch in careers,
 How to move out of your toxic in-law's house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Should you convert a traditional IRS to a Roth,</li> <li>How to ask for a raise,</li> <li>When is it time to walk away from your business,</li> <li>Using your savings to pay off debt,</li> <li>Preparing for a switch in careers,</li> <li>How to move out of your toxic in-law's house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b2b79a56-9306-40c0-a4be-bea4ecfdee16]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2730020360.mp3?updated=1655234271" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What To Do When You Owe More on Cars That You Make in a Year?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05272022-hour1</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  How to grow a small business,
 The high-earning poor, 
 When it's time to leave a job,
 Paying off debt and getting your life on track,
 Having over $100k in car debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 27 May 2022 19:19:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d4c18fee-ec15-11ec-a7ad-9b92bede942f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  How to grow a small business, The high-earning poor,  When it's time to leave a job, Paying off debt and getting your life on track, Having over $100k in car debt.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  How to grow a small business,
 The high-earning poor, 
 When it's time to leave a job,
 Paying off debt and getting your life on track,
 Having over $100k in car debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>How to grow a small business,</li> <li>The high-earning poor, </li> <li>When it's time to leave a job,</li> <li>Paying off debt and getting your life on track,</li> <li>Having over $100k in car debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[03148d62-d68a-416c-9600-19348c48cc28]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4658119300.mp3?updated=1655234271" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With a Payday Loan Nightmare!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05262022-hour3</link>
      <description>John Delony &amp; George Kamel discuss:
  Taking a tax hit to convert your IRA,
 The dangers of payday loans,
 Deciding to start a business or work for someone else,
 Should you take a year off to travel.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 26 May 2022 21:17:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d51663e8-ec15-11ec-a7ad-5b38f3d1a5ee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; George Kamel discuss:  Taking a tax hit to convert your IRA, The dangers of payday loans, Deciding to start a business or work for someone else, Should you take a year off to travel.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:
  Taking a tax hit to convert your IRA,
 The dangers of payday loans,
 Deciding to start a business or work for someone else,
 Should you take a year off to travel.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p> <ul> <li>Taking a tax hit to convert your IRA,</li> <li>The dangers of payday loans,</li> <li>Deciding to start a business or work for someone else,</li> <li>Should you take a year off to travel.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3af2b69b-741b-4ec9-ae99-b84357c2cbcc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9888063788.mp3?updated=1655234272" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Realtor Said To Waive the Inspection and Now It’s Costing Me!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05262022-hour2</link>
      <description>John Delony &amp; George Kamel discuss:
  How much should you budget for extravagant gifts,
 Controlling your spending in the wake of a divorce,
 Funding 529s for grandkids,
 The risk of waiving the home inspection.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 26 May 2022 20:19:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d56d1e68-ec15-11ec-a7ad-771ffbf6146a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; George Kamel discuss:  How much should you budget for extravagant gifts, Controlling your spending in the wake of a divorce, Funding 529s for grandkids, The risk of waiving the home inspection.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:
  How much should you budget for extravagant gifts,
 Controlling your spending in the wake of a divorce,
 Funding 529s for grandkids,
 The risk of waiving the home inspection.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p> <ul> <li>How much should you budget for extravagant gifts,</li> <li>Controlling your spending in the wake of a divorce,</li> <li>Funding 529s for grandkids,</li> <li>The risk of waiving the home inspection.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[465e8807-398b-4711-bc9c-1173b131d85f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5292432795.mp3?updated=1655234272" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Be Going on Vacation While You Are Paying Off Debt?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05262022-hour1</link>
      <description>John Delony &amp; George Kamel discuss:
  How to talk to your parents about money,
 Is it a good idea to move in with the in-laws,
 If company stocks are a good idea,
 Should you go on vacation while paying off debt,
 Why you should keep on paying off your student loans,
 How to build a life after the death of a spouse,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 26 May 2022 19:18:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d5c2c28c-ec15-11ec-a7ad-a7624309d209/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; George Kamel discuss:  How to talk to your parents about money, Is it a good idea to move in with the in-laws, If company stocks are a good idea, Should you go on vacation while paying off debt, Why you should keep on paying off your...</itunes:subtitle>
      <itunes:summary>John Delony &amp; George Kamel discuss:
  How to talk to your parents about money,
 Is it a good idea to move in with the in-laws,
 If company stocks are a good idea,
 Should you go on vacation while paying off debt,
 Why you should keep on paying off your student loans,
 How to build a life after the death of a spouse,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; George Kamel discuss:</p> <ul> <li>How to talk to your parents about money,</li> <li>Is it a good idea to move in with the in-laws,</li> <li>If company stocks are a good idea,</li> <li>Should you go on vacation while paying off debt,</li> <li>Why you should keep on paying off your student loans,</li> <li>How to build a life after the death of a spouse,</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e24cac1c-ebf7-45e2-adc2-4fcdf93864d5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5025522493.mp3?updated=1655234273" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Just Graduated Med School Debt Free and My Parents Gave Me $40K!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05252022-hour3</link>
      <description>George Kamel discusses:
  How to convince your spouse to buy a brand-new car,
 Deciding between paying the house or investing,
 Learning how to budget after college,
 What to do with a large cash gift,
 What to do when a renovation goes over budget.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 25 May 2022 21:17:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d61750e0-ec15-11ec-a7ad-4f84c1333b59/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  How to convince your spouse to buy a brand-new car, Deciding between paying the house or investing, Learning how to budget after college, What to do with a large cash gift, What to do when a renovation goes over budget.  Want...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  How to convince your spouse to buy a brand-new car,
 Deciding between paying the house or investing,
 Learning how to budget after college,
 What to do with a large cash gift,
 What to do when a renovation goes over budget.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>How to convince your spouse to buy a brand-new car,</li> <li>Deciding between paying the house or investing,</li> <li>Learning how to budget after college,</li> <li>What to do with a large cash gift,</li> <li>What to do when a renovation goes over budget.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7ab442df-b1dc-4bdd-a37f-6d7c9679d555]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4457730896.mp3?updated=1655234273" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do You Teach Your Teen About Money When Your Ex Spends Like Crazy? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05252022-hour2</link>
      <description>George Kamel discusses:
  What to do when you drain your emergency fund,
 If consolidating credit cards is a good idea,
 How to teach your kid about money when your ex is irresponsible,
 Should you take a job that requires a lot of travel,
 What to do when your car dies in baby step 2.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 25 May 2022 20:18:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d66b3750-ec15-11ec-a7ad-c312fcf281ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  What to do when you drain your emergency fund, If consolidating credit cards is a good idea, How to teach your kid about money when your ex is irresponsible, Should you take a job that requires a lot of travel, What to do when...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  What to do when you drain your emergency fund,
 If consolidating credit cards is a good idea,
 How to teach your kid about money when your ex is irresponsible,
 Should you take a job that requires a lot of travel,
 What to do when your car dies in baby step 2.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>What to do when you drain your emergency fund,</li> <li>If consolidating credit cards is a good idea,</li> <li>How to teach your kid about money when your ex is irresponsible,</li> <li>Should you take a job that requires a lot of travel,</li> <li>What to do when your car dies in baby step 2.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2f67ae0d-3013-4a65-8e1f-6fe1ea301294]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6245435396.mp3?updated=1655234274" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Where in the Debt Snowball Do You Pay the IRS? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05252022-hour1</link>
      <description>George Kamel discusses:
  How to prioritize your debt,
 Paying off debt vs. investing.
 Where to put IRS debt in your snowball,
 Convincing your spouse to sell the house,
 Planning for a new baby, 
 Cash flowing college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</description>
      <pubDate>Wed, 25 May 2022 19:18:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d6c0bc20-ec15-11ec-a7ad-0bd1603e26ca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  How to prioritize your debt, Paying off debt vs. investing. Where to put IRS debt in your snowball, Convincing your spouse to sell the house, Planning for a new baby,  Cash flowing college.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  How to prioritize your debt,
 Paying off debt vs. investing.
 Where to put IRS debt in your snowball,
 Convincing your spouse to sell the house,
 Planning for a new baby, 
 Cash flowing college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>How to prioritize your debt,</li> <li>Paying off debt vs. investing.</li> <li>Where to put IRS debt in your snowball,</li> <li>Convincing your spouse to sell the house,</li> <li>Planning for a new baby, </li> <li>Cash flowing college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[490c53d6-fa86-4699-b8a9-4d734bd1d18c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9032061469.mp3?updated=1655234275" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is House Hacking a Good Way To Make Money?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05242022-hour3</link>
      <description>Rachel Cruze &amp; George Kamel discuss:
  If you should use extra income to pay off debt or invest,
 Moving for a job and finding a house,
 Struggling to make ends meet each month, 
 If house hacking is a good idea,
 How to re-finance student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 24 May 2022 21:18:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d714926e-ec15-11ec-a7ad-bb6d9099652c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; George Kamel discuss:  If you should use extra income to pay off debt or invest, Moving for a job and finding a house, Struggling to make ends meet each month,  If house hacking is a good idea, How to re-finance student loans. ...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:
  If you should use extra income to pay off debt or invest,
 Moving for a job and finding a house,
 Struggling to make ends meet each month, 
 If house hacking is a good idea,
 How to re-finance student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p> <ul> <li>If you should use extra income to pay off debt or invest,</li> <li>Moving for a job and finding a house,</li> <li>Struggling to make ends meet each month, </li> <li>If house hacking is a good idea,</li> <li>How to re-finance student loans.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[87c7860d-d4ba-46f9-8b18-47ab74940928]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6694635343.mp3?updated=1655234275" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Fall for the Buy Now, Pay Later Scam!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05242022-hour2</link>
      <description>Rachel Cruze &amp; George Kamel discuss:
  Juggling a small business and motherhood,
 Budgeting after a large increase in income,
 How to decide if it's time to leave your workplace,
 Selling a business you love to pay off debt,
 Buy now, pay later scams,
 What to do once you become debt free.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 24 May 2022 20:18:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d76936ac-ec15-11ec-a7ad-fbbfebb3fcb5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; George Kamel discuss:  Juggling a small business and motherhood, Budgeting after a large increase in income, How to decide if it's time to leave your workplace, Selling a business you love to pay off debt, Buy now, pay later scams,...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:
  Juggling a small business and motherhood,
 Budgeting after a large increase in income,
 How to decide if it's time to leave your workplace,
 Selling a business you love to pay off debt,
 Buy now, pay later scams,
 What to do once you become debt free.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p> <ul> <li>Juggling a small business and motherhood,</li> <li>Budgeting after a large increase in income,</li> <li>How to decide if it's time to leave your workplace,</li> <li>Selling a business you love to pay off debt,</li> <li>Buy now, pay later scams,</li> <li>What to do once you become debt free.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[42a9588f-db36-4075-bba3-7bf046bb7fc9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8640680130.mp3?updated=1655234276" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Is It Time To Start Making More Mature Money Decisions? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05242022-hour1</link>
      <description>Rachel Cruze &amp; George Kamel discuss:
  How much cash should you have at your fingertips,
 When should you be more responsible with your money,
 Buying a condo while still in debt,
 How to invest after you retire.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 24 May 2022 19:18:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d7bd977e-ec15-11ec-a7ad-139497d3ad7b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; George Kamel discuss:  How much cash should you have at your fingertips, When should you be more responsible with your money, Buying a condo while still in debt, How to invest after you retire.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; George Kamel discuss:
  How much cash should you have at your fingertips,
 When should you be more responsible with your money,
 Buying a condo while still in debt,
 How to invest after you retire.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; George Kamel discuss:</p> <ul> <li>How much cash should you have at your fingertips,</li> <li>When should you be more responsible with your money,</li> <li>Buying a condo while still in debt,</li> <li>How to invest after you retire.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1fbb4ca5-f5d3-4b5a-aa90-e223f627f583]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2820632113.mp3?updated=1655234276" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Buy a House or Keep Renting? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05232022-hour3</link>
      <description>George Kamel discusses:
  How to manage a 529 plan by yourself,
 Moving up in house after baby comes, 
 What's the next step after you pay off your debt,
 Paying off the rental before you pay off your house,
 How to pay cash for a house,
 Convincing your spouse to pay off the house. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 23 May 2022 21:17:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d814ec2c-ec15-11ec-a7ad-5b9b09e15d73/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  How to manage a 529 plan by yourself, Moving up in house after baby comes,  What's the next step after you pay off your debt, Paying off the rental before you pay off your house, How to pay cash for a house, Convincing...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  How to manage a 529 plan by yourself,
 Moving up in house after baby comes, 
 What's the next step after you pay off your debt,
 Paying off the rental before you pay off your house,
 How to pay cash for a house,
 Convincing your spouse to pay off the house. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>How to manage a 529 plan by yourself,</li> <li>Moving up in house after baby comes, </li> <li>What's the next step after you pay off your debt,</li> <li>Paying off the rental before you pay off your house,</li> <li>How to pay cash for a house,</li> <li>Convincing your spouse to pay off the house. </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f7e38a0c-65cf-4f69-bd96-6882d424213c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4089038484.mp3?updated=1655234277" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Mom and I Co-Own a House but I Want Her To Move Out </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05232022-hour2</link>
      <description>George discusses:
  Buying an investment property while you still rent,
 Taking a job with less pay but better benefits,
 How much you need to retire with dignity,
 Buying mom out of a property that you co-own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 23 May 2022 20:18:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d86ce936-ec15-11ec-a7ad-a7acf56b5772/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George discusses:  Buying an investment property while you still rent, Taking a job with less pay but better benefits, How much you need to retire with dignity, Buying mom out of a property that you co-own.  Want a plan for your money? Find out where...</itunes:subtitle>
      <itunes:summary>George discusses:
  Buying an investment property while you still rent,
 Taking a job with less pay but better benefits,
 How much you need to retire with dignity,
 Buying mom out of a property that you co-own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George discusses:</p> <ul> <li>Buying an investment property while you still rent,</li> <li>Taking a job with less pay but better benefits,</li> <li>How much you need to retire with dignity,</li> <li>Buying mom out of a property that you co-own.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a455601e-1224-4f9e-8609-0b15587ca088]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8301593210.mp3?updated=1655234278" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have Over $600K in Parent PLUS Loans! </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05232022-hour1</link>
      <description>George Kamel discusses:
  How to pay off over $600k in parent plus loans,
 What a 13-year-old should do to build wealth,
 A trucker who wants to buy a new semi, 
 The fear of using your savings to pay off debt,
 Why you should pay off debt before you invest,
 What to do when you are upside down on a car loan?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 23 May 2022 19:18:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8c4194a-ec15-11ec-a7ad-6fdbff8435e4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  How to pay off over $600k in parent plus loans, What a 13-year-old should do to build wealth, A trucker who wants to buy a new semi,  The fear of using your savings to pay off debt, Why you should pay off debt before you...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  How to pay off over $600k in parent plus loans,
 What a 13-year-old should do to build wealth,
 A trucker who wants to buy a new semi, 
 The fear of using your savings to pay off debt,
 Why you should pay off debt before you invest,
 What to do when you are upside down on a car loan?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>How to pay off over $600k in parent plus loans,</li> <li>What a 13-year-old should do to build wealth,</li> <li>A trucker who wants to buy a new semi, </li> <li>The fear of using your savings to pay off debt,</li> <li>Why you should pay off debt before you invest,</li> <li>What to do when you are upside down on a car loan?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d8a97eb5-c688-4eba-80f5-77229b35485b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4121646569.mp3?updated=1655234278" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Move In With My Girlfriend?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05202022-hour3</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  How to get rid of a leased car,
 Should you sell your house and buy a new one,
 Pausing your investments to rebuild an emergency fund,
 How to handle money disagreements with your spouse,
 Moving out of grandma's house to live on your own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 20 May 2022 21:17:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d91a83f2-ec15-11ec-a7ad-4fc0bea229ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  How to get rid of a leased car, Should you sell your house and buy a new one, Pausing your investments to rebuild an emergency fund, How to handle money disagreements with your spouse, Moving out of...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  How to get rid of a leased car,
 Should you sell your house and buy a new one,
 Pausing your investments to rebuild an emergency fund,
 How to handle money disagreements with your spouse,
 Moving out of grandma's house to live on your own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>How to get rid of a leased car,</li> <li>Should you sell your house and buy a new one,</li> <li>Pausing your investments to rebuild an emergency fund,</li> <li>How to handle money disagreements with your spouse,</li> <li>Moving out of grandma's house to live on your own.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[940ed202-bd08-4ce0-8add-1e2632df65f8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6297045314.mp3?updated=1655234278" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Win With Money While I’m in College?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05202022-hour2</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  How to find a side hustle (and whether or not you should sell your horse),
 Moving to a nicer place while still in debt, 
 Should you invest while in college,
 Trusting a financial advisor to help you win with money,
 Caring for a mom that struggles with addiction.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 20 May 2022 20:18:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d971520e-ec15-11ec-a7ad-43262c599df7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  How to find a side hustle (and whether or not you should sell your horse), Moving to a nicer place while still in debt,  Should you invest while in college, Trusting a financial advisor to help you win...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  How to find a side hustle (and whether or not you should sell your horse),
 Moving to a nicer place while still in debt, 
 Should you invest while in college,
 Trusting a financial advisor to help you win with money,
 Caring for a mom that struggles with addiction.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>How to find a side hustle (and whether or not you should sell your horse),</li> <li>Moving to a nicer place while still in debt, </li> <li>Should you invest while in college,</li> <li>Trusting a financial advisor to help you win with money,</li> <li>Caring for a mom that struggles with addiction.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ac933695-47c3-4f6c-8e61-3b35e752379b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6522618584.mp3?updated=1655234279" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can You Still Enjoy Life While Budgeting?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05202022-hour1</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  How to enjoy your life while budgeting,
 Discuss why Gen-Z doesn't treat cash like real money, 
 Repairing an old car vs. buying a new one,
 Struggling to save money after a divorce,
 What's the next step to financial freedom?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 20 May 2022 19:18:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9c6e214-ec15-11ec-a7ad-5bf466173a2c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  How to enjoy your life while budgeting, Discuss why Gen-Z doesn't treat cash like real money,  Repairing an old car vs. buying a new one, Struggling to save money after a divorce, What's the next step to...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  How to enjoy your life while budgeting,
 Discuss why Gen-Z doesn't treat cash like real money, 
 Repairing an old car vs. buying a new one,
 Struggling to save money after a divorce,
 What's the next step to financial freedom?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>How to enjoy your life while budgeting,</li> <li>Discuss why Gen-Z doesn't treat cash like real money, </li> <li>Repairing an old car vs. buying a new one,</li> <li>Struggling to save money after a divorce,</li> <li>What's the next step to financial freedom?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ccd38a79-afd5-4ad5-8c99-c787d0480234]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4587054669.mp3?updated=1655234279" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Be the Victor, NOT the Victim</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05192022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Family boundaries around your children's debt,
 What to do with savings bonds,
 Weighing the options about selling your car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 19 May 2022 21:17:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da1e6250-ec15-11ec-a7ad-8f7a99262d6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Family boundaries around your children's debt, What to do with savings bonds, Weighing the options about selling your car.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Family boundaries around your children's debt,
 What to do with savings bonds,
 Weighing the options about selling your car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Family boundaries around your children's debt,</li> <li>What to do with savings bonds,</li> <li>Weighing the options about selling your car.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fea82cd5-c89b-4e64-beea-47b03b97c523]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6268455144.mp3?updated=1655234280" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Look Into a New Career Field After a Layoff?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05192022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Purchasing a family-owned farm,
 Buying your first home,
 Navigating a layoff.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 19 May 2022 20:18:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da780774-ec15-11ec-a7ad-ab829db415be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Purchasing a family-owned farm, Buying your first home, Navigating a layoff.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Purchasing a family-owned farm,
 Buying your first home,
 Navigating a layoff.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Purchasing a family-owned farm,</li> <li>Buying your first home,</li> <li>Navigating a layoff.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[63c6ed95-ba2e-442d-aa5b-0658225615ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9864899349.mp3?updated=1655234280" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Wrote a Book as a Side Hustle...What Now?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05192022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The timing of when to start a family,
 Launching a book as a side hustle,
 Helping a family member sell a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 19 May 2022 19:18:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dad1d65a-ec15-11ec-a7ad-5f317c747cce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The timing of when to start a family, Launching a book as a side hustle, Helping a family member sell a house.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The timing of when to start a family,
 Launching a book as a side hustle,
 Helping a family member sell a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The timing of when to start a family,</li> <li>Launching a book as a side hustle,</li> <li>Helping a family member sell a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[063dc667-bae2-4db4-b8e6-97e2777a668e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8493768982.mp3?updated=1655235036" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s a Baby Steps Millionaires Theme Hour!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05182022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss how ordinary people built extraordinary wealth.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 18 May 2022 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db2bf2fc-ec15-11ec-a7ad-37812500603b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss how ordinary people built extraordinary wealth. Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss how ordinary people built extraordinary wealth.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss how ordinary people built extraordinary wealth.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7b93378a-d276-474a-9278-7a2baa7fcbb1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6780923738.mp3?updated=1655234281" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ride the Rollercoaster When the Market Gets Rough</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05182022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Letting a rental property go for your sanity and learning when you need to "fire yourself",
 Turning off the news so you don't get paralyzed by fear,
 Is it possible to get financial peace after 50?
 Maxing out a Roth IRA vs. 401(k).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 18 May 2022 20:18:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db8390a2-ec15-11ec-a7ad-b703e27ebe1f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Letting a rental property go for your sanity and learning when you need to "fire yourself", Turning off the news so you don't get paralyzed by fear, Is it possible to get financial peace after 50? Maxing out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Letting a rental property go for your sanity and learning when you need to "fire yourself",
 Turning off the news so you don't get paralyzed by fear,
 Is it possible to get financial peace after 50?
 Maxing out a Roth IRA vs. 401(k).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Letting a rental property go for your sanity and learning when you need to "fire yourself",</li> <li>Turning off the news so you don't get paralyzed by fear,</li> <li>Is it possible to get financial peace after 50?</li> <li>Maxing out a Roth IRA vs. 401(k).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6e17c60f-2489-4772-aba3-402263555a29]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2391785216.mp3?updated=1655234282" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Get My Spouse on Board With a Move?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05182022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Talking a spouse into downsizing housing,
 Does it ever make sense to take a financial hit for a career change?
 How to tackle debt as a single parent.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 18 May 2022 19:18:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dbdddfd0-ec15-11ec-a7ad-ebdd4770c1ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Talking a spouse into downsizing housing, Does it ever make sense to take a financial hit for a career change? How to tackle debt as a single parent.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Talking a spouse into downsizing housing,
 Does it ever make sense to take a financial hit for a career change?
 How to tackle debt as a single parent.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Talking a spouse into downsizing housing,</li> <li>Does it ever make sense to take a financial hit for a career change?</li> <li>How to tackle debt as a single parent.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb7c4aee-bb2f-4138-b9b7-12bc7ee7d6de]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9926539520.mp3?updated=1655234282" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Trying To Keep Up With the Jones’!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05172022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Is it possible to overfund a TSP?
 Knowing when it's time to change careers,
 What to do when you find out you're about to get a million dollar check.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 17 May 2022 21:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc3922aa-ec15-11ec-a7ad-9fa51296d37a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Is it possible to overfund a TSP? Knowing when it's time to change careers, What to do when you find out you're about to get a million dollar check.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Is it possible to overfund a TSP?
 Knowing when it's time to change careers,
 What to do when you find out you're about to get a million dollar check.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Is it possible to overfund a TSP?</li> <li>Knowing when it's time to change careers,</li> <li>What to do when you find out you're about to get a million dollar check.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[48b01cde-d14c-4679-93e3-4eae44dde76e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6033000144.mp3?updated=1655234283" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Sell My House by Owner in This Market?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05172022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Do you need a real estate agent or should you sell by owner?
 Handling an inherited rental property,
 The best way to tackle $900k in debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 17 May 2022 20:18:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc959c2e-ec15-11ec-a7ad-d39640e2096f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Do you need a real estate agent or should you sell by owner? Handling an inherited rental property, The best way to tackle $900k in debt.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Do you need a real estate agent or should you sell by owner?
 Handling an inherited rental property,
 The best way to tackle $900k in debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Do you need a real estate agent or should you sell by owner?</li> <li>Handling an inherited rental property,</li> <li>The best way to tackle $900k in debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[64009aa9-3da9-47d4-8206-4c383d655ac5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9847297316.mp3?updated=1655234283" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>With Gas Prices Up Should I Buy a Tesla?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05172022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to handle money when a spouse passes away,
 How to get out of a car lease,
 Does it make financial sense to get an electric car with gas prices so high?
 Deciding if you can afford to move up in apartment.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 17 May 2022 19:18:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dcf0be7e-ec15-11ec-a7ad-870f9a8a8607/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to handle money when a spouse passes away, How to get out of a car lease, Does it make financial sense to get an electric car with gas prices so high? Deciding if you can afford to move up in apartment. ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to handle money when a spouse passes away,
 How to get out of a car lease,
 Does it make financial sense to get an electric car with gas prices so high?
 Deciding if you can afford to move up in apartment.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to handle money when a spouse passes away,</li> <li>How to get out of a car lease,</li> <li>Does it make financial sense to get an electric car with gas prices so high?</li> <li>Deciding if you can afford to move up in apartment.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3b3bc032-ade9-433a-aef5-669c76a079c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4248766350.mp3?updated=1655234284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Leave My Dream Job?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05162022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Should you sell your business,
 Leaving a dream job to triple your income,
 When and how to save up for a house,
 Selling a car to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 16 May 2022 21:17:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd4a8738-ec15-11ec-a7ad-73b3d713a594/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Should you sell your business, Leaving a dream job to triple your income, When and how to save up for a house, Selling a car to pay off debt.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Should you sell your business,
 Leaving a dream job to triple your income,
 When and how to save up for a house,
 Selling a car to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Should you sell your business,</li> <li>Leaving a dream job to triple your income,</li> <li>When and how to save up for a house,</li> <li>Selling a car to pay off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4392a42a-3c17-49e9-81a2-045afe629543]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7202746158.mp3?updated=1655234284" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Personal Finance Gets Personal</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05162022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Investing in a Roth vs. Traditional 401(k),
 Struggling with a spouse who has a gambling addiction,
 Stockpiling money during a serious illness,
 What to do when you're supposed to close on a house that isn't finished being built,
 Is now a good time to buy a house?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 16 May 2022 20:18:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dda4e4da-ec15-11ec-a7ad-eb35ff50967b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Investing in a Roth vs. Traditional 401(k), Struggling with a spouse who has a gambling addiction, Stockpiling money during a serious illness, What to do when you're supposed to close on a house that isn't...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Investing in a Roth vs. Traditional 401(k),
 Struggling with a spouse who has a gambling addiction,
 Stockpiling money during a serious illness,
 What to do when you're supposed to close on a house that isn't finished being built,
 Is now a good time to buy a house?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Investing in a Roth vs. Traditional 401(k),</li> <li>Struggling with a spouse who has a gambling addiction,</li> <li>Stockpiling money during a serious illness,</li> <li>What to do when you're supposed to close on a house that isn't finished being built,</li> <li>Is now a good time to buy a house?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ca916580-af2c-4af2-842b-a830038a5e71]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4197288847.mp3?updated=1655234285" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Budget on an Irregular Income?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05162022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Budgeting on an irregular income,
 How to stay sane when the market gets wild,
 The best way to buy a piece of land,
 Dealing with doubts around a new job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 16 May 2022 19:18:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ddfcb3fe-ec15-11ec-a7ad-1326b8599a2a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Budgeting on an irregular income, How to stay sane when the market gets wild, The best way to buy a piece of land, Dealing with doubts around a new job.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Budgeting on an irregular income,
 How to stay sane when the market gets wild,
 The best way to buy a piece of land,
 Dealing with doubts around a new job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Budgeting on an irregular income,</li> <li>How to stay sane when the market gets wild,</li> <li>The best way to buy a piece of land,</li> <li>Dealing with doubts around a new job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b2e61070-b54c-479a-a6cf-7ca193e54b8a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3621434553.mp3?updated=1655234285" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take a Low-Paying Job That I Love?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05132022-hour3</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Should you take out a mortgage later in life?
 Does it make sense to stay in a high-paying, high-stress job?
 Similarly, should you take low-paying job that you love?
 Should you join the military?
 Thinking through leaving a job,
 Training bootcamps vs. traditional degrees.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 13 May 2022 21:16:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de534246-ec15-11ec-a7ad-cbb6e16cdee2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Should you take out a mortgage later in life? Does it make sense to stay in a high-paying, high-stress job? Similarly, should you take low-paying job that you love? Should you join the military? Thinking...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Should you take out a mortgage later in life?
 Does it make sense to stay in a high-paying, high-stress job?
 Similarly, should you take low-paying job that you love?
 Should you join the military?
 Thinking through leaving a job,
 Training bootcamps vs. traditional degrees.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Should you take out a mortgage later in life?</li> <li>Does it make sense to stay in a high-paying, high-stress job?</li> <li>Similarly, should you take low-paying job that you love?</li> <li>Should you join the military?</li> <li>Thinking through leaving a job,</li> <li>Training bootcamps vs. traditional degrees.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3196b104-6f37-427a-9666-4353ff3bd34b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7761446977.mp3?updated=1655234286" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What You Need Is Some Financial Breathing Room</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05132022-hour2</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Opening a Roth for a grandchild,
 Getting a spouse on board with the plan,
 How 1099 employees should plan for taxes,
 Should you rent out your house?
 Why some employees are freaking out over going back to the office,
 The best way to become financially secure.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 13 May 2022 20:18:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/deac7730-ec15-11ec-a7ad-fb956f8fdaf7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Opening a Roth for a grandchild, Getting a spouse on board with the plan, How 1099 employees should plan for taxes, Should you rent out your house? Why some employees are freaking out over going back to the...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Opening a Roth for a grandchild,
 Getting a spouse on board with the plan,
 How 1099 employees should plan for taxes,
 Should you rent out your house?
 Why some employees are freaking out over going back to the office,
 The best way to become financially secure.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Opening a Roth for a grandchild,</li> <li>Getting a spouse on board with the plan,</li> <li>How 1099 employees should plan for taxes,</li> <li>Should you rent out your house?</li> <li>Why some employees are freaking out over going back to the office,</li> <li>The best way to become financially secure.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f7c62b14-b86f-4cab-92a5-9f2d24af922c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1773934282.mp3?updated=1655234286" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Are the Best Side Hustle Ideas?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05132022-hour1</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Taking the next step in growing your business,
 The best way to save for retirement,
 How to motivate a teenager to get a summer job,
 The best side-hustle ideas to earn a little extra money,
 What to do when you lose your job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 13 May 2022 19:18:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df089790-ec15-11ec-a7ad-57d593a76180/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Taking the next step in growing your business, The best way to save for retirement, How to motivate a teenager to get a summer job, The best side-hustle ideas to earn a little extra money, What to do when you...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Taking the next step in growing your business,
 The best way to save for retirement,
 How to motivate a teenager to get a summer job,
 The best side-hustle ideas to earn a little extra money,
 What to do when you lose your job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Taking the next step in growing your business,</li> <li>The best way to save for retirement,</li> <li>How to motivate a teenager to get a summer job,</li> <li>The best side-hustle ideas to earn a little extra money,</li> <li>What to do when you lose your job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[843f6926-ac06-4539-a00c-2c7eba05b415]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1809350986.mp3?updated=1655234287" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With the Ups &amp; Downs of the Market</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05122022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Should you pause retirement to pay off your house?
 What does it mean that the stock market is "on sale" when the market is down?
 Struggling to find a job near family,
 How to deal with the ups and downs of the market,
 Dealing with financial infidelity.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 12 May 2022 21:16:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df7e19a2-ec15-11ec-a7ad-1bc71bb300eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Should you pause retirement to pay off your house? What does it mean that the stock market is "on sale" when the market is down? Struggling to find a job near family, How to deal with the ups and downs of...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Should you pause retirement to pay off your house?
 What does it mean that the stock market is "on sale" when the market is down?
 Struggling to find a job near family,
 How to deal with the ups and downs of the market,
 Dealing with financial infidelity.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Should you pause retirement to pay off your house?</li> <li>What does it mean that the stock market is "on sale" when the market is down?</li> <li>Struggling to find a job near family,</li> <li>How to deal with the ups and downs of the market,</li> <li>Dealing with financial infidelity.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bf0df5d4-3bfa-44e0-95f2-da3a2a517699]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2203612212.mp3?updated=1655234287" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Overcoming a Gambling Addiction To Become Debt Free</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05122022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  The best way to pay off your mortgage,
 What to do with an inheritance,
 Should we go on a birthday trip for my sister during our debt snowball?
 What to do when you can't afford house repairs.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 12 May 2022 20:18:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dfd5e6d2-ec15-11ec-a7ad-4f498183af13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  The best way to pay off your mortgage, What to do with an inheritance, Should we go on a birthday trip for my sister during our debt snowball? What to do when you can't afford house repairs.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  The best way to pay off your mortgage,
 What to do with an inheritance,
 Should we go on a birthday trip for my sister during our debt snowball?
 What to do when you can't afford house repairs.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>The best way to pay off your mortgage,</li> <li>What to do with an inheritance,</li> <li>Should we go on a birthday trip for my sister during our debt snowball?</li> <li>What to do when you can't afford house repairs.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[142952f8-b8ac-4b55-bddd-2bdd8ce08de6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9014995556.mp3?updated=1655234287" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can You Have Work/Life Balance in Baby Step 2?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05122022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to use extra money,
 Achieving work/life balance when paying off debt,
 Avoiding making an idol of money,
 How to think about prenups heading toward marriage.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 12 May 2022 19:18:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e02d0192-ec15-11ec-a7ad-c7eac0d83216/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to use extra money, Achieving work/life balance when paying off debt, Avoiding making an idol of money, How to think about prenups heading toward marriage.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to use extra money,
 Achieving work/life balance when paying off debt,
 Avoiding making an idol of money,
 How to think about prenups heading toward marriage.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to use extra money,</li> <li>Achieving work/life balance when paying off debt,</li> <li>Avoiding making an idol of money,</li> <li>How to think about prenups heading toward marriage.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[087a33fa-cd21-41ef-b898-ee8b018636b3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4390902179.mp3?updated=1655234288" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Stop Investing While the Market Is Down?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05112022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you stop investing while the market is down?
 Should you sell a gun collection to pay off debt?
 How to move a 401(k) after your company gets bought out,
 What to do after your car gets totaled,
 Should you close your credit cards after you pay them off? 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 11 May 2022 21:16:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0842e40-ec15-11ec-a7ad-db40331ea572/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Should you stop investing while the market is down? Should you sell a gun collection to pay off debt? How to move a 401(k) after your company gets bought out, What to do after your car gets totaled, Should you...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you stop investing while the market is down?
 Should you sell a gun collection to pay off debt?
 How to move a 401(k) after your company gets bought out,
 What to do after your car gets totaled,
 Should you close your credit cards after you pay them off? 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Should you stop investing while the market is down?</li> <li>Should you sell a gun collection to pay off debt?</li> <li>How to move a 401(k) after your company gets bought out,</li> <li>What to do after your car gets totaled,</li> <li>Should you close your credit cards after you pay them off? </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eb394ca4-01fa-4e73-99a6-6c865a20678a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9623180413.mp3?updated=1655234289" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are We Headed for Another Recession?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05112022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you consider your home your primary investment vehicle?
 A look back at April 2021 where Dave predicted the inflation we're seeing today (and where we're headed).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 11 May 2022 20:18:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0da656c-ec15-11ec-a7ad-43e14ff2dae4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Should you consider your home your primary investment vehicle? A look back at April 2021 where Dave predicted the inflation we're seeing today (and where we're headed).  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Should you consider your home your primary investment vehicle?
 A look back at April 2021 where Dave predicted the inflation we're seeing today (and where we're headed).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Should you consider your home your primary investment vehicle?</li> <li>A look back at April 2021 where Dave predicted the inflation we're seeing today (and where we're headed).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc861a01-cdbc-48bc-a1b1-cb09776f1d6b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2052939997.mp3?updated=1655234289" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Personal Finance Is More About Behavior Than Math</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05112022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Combining incomes with your boyfriend,
 Getting a personal loan to pay off a credit card,
 How to start the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 11 May 2022 19:18:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e131a584-ec15-11ec-a7ad-1f98dd03e8b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Combining incomes with your boyfriend, Getting a personal loan to pay off a credit card, How to start the debt snowball.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Combining incomes with your boyfriend,
 Getting a personal loan to pay off a credit card,
 How to start the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Combining incomes with your boyfriend,</li> <li>Getting a personal loan to pay off a credit card,</li> <li>How to start the debt snowball.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2d077f92-88d7-4cd3-895c-021df27cad58]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1104947324.mp3?updated=1655234289" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get Off TikTok for Business Advice!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05102022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  What to do with an old 401(k),
 What to do when you have trouble sticking to the budget,
 Should I open a business to earn "passive" income?
 Should you sell the car?
 What you should do with old savings bonds.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 10 May 2022 21:16:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e18760be-ec15-11ec-a7ad-33985d3da909/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  What to do with an old 401(k), What to do when you have trouble sticking to the budget, Should I open a business to earn "passive" income? Should you sell the car? What you should do with old savings bonds. ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  What to do with an old 401(k),
 What to do when you have trouble sticking to the budget,
 Should I open a business to earn "passive" income?
 Should you sell the car?
 What you should do with old savings bonds.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>What to do with an old 401(k),</li> <li>What to do when you have trouble sticking to the budget,</li> <li>Should I open a business to earn "passive" income?</li> <li>Should you sell the car?</li> <li>What you should do with old savings bonds.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fee1d43d-42d0-47e1-9248-41645177753a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1870525555.mp3?updated=1655234290" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Studies Show 401(k) Millionaires Are Booming</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05102022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  What to do with an annuity left from a relative that passed away,
 Should you take a one-time alimony payout offer?
 How long you should save up for a house in baby step 3b,
 Tithing off of gross vs. net,
 Where debt in collections goes in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 10 May 2022 20:18:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e1dfd564-ec15-11ec-a7ad-cf969bd43a68/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  What to do with an annuity left from a relative that passed away, Should you take a one-time alimony payout offer? How long you should save up for a house in baby step 3b, Tithing off of gross vs. net, Where...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  What to do with an annuity left from a relative that passed away,
 Should you take a one-time alimony payout offer?
 How long you should save up for a house in baby step 3b,
 Tithing off of gross vs. net,
 Where debt in collections goes in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>What to do with an annuity left from a relative that passed away,</li> <li>Should you take a one-time alimony payout offer?</li> <li>How long you should save up for a house in baby step 3b,</li> <li>Tithing off of gross vs. net,</li> <li>Where debt in collections goes in the debt snowball.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[75c4afcd-73ae-4680-9905-3215b84c88b5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8069637029.mp3?updated=1655234290" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Insane House Prices Aren’t an Excuse To Do Stupid Stuff</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05102022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you commit to a 3-year work contract?
 How to know if a debt collector call is legit,
 California's stupid program to "help" homebuyers borrow their down payment,
 How to help your kids choose a college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 10 May 2022 19:18:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e23824b2-ec15-11ec-a7ad-77d2634c43e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you commit to a 3-year work contract? How to know if a debt collector call is legit, California's stupid program to "help" homebuyers borrow their down payment, How to help your kids choose a college. ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you commit to a 3-year work contract?
 How to know if a debt collector call is legit,
 California's stupid program to "help" homebuyers borrow their down payment,
 How to help your kids choose a college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you commit to a 3-year work contract?</li> <li>How to know if a debt collector call is legit,</li> <li>California's stupid program to "help" homebuyers borrow their down payment,</li> <li>How to help your kids choose a college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7a41e51-661a-4483-9da1-ac2a89d68183]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4504858771.mp3?updated=1655234291" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Double-Check Your Homeowners Insurance Policy!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05092022-hour3</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Should you sell your business?
 Should you increase your homeowners insurance to go up with your home's value?
 Should you buy a modular home for retirement?
 Is a lineman a good career move?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 09 May 2022 21:16:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e28fe134-ec15-11ec-a7ad-23ef92ddd9c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Should you sell your business? Should you increase your homeowners insurance to go up with your home's value? Should you buy a modular home for retirement? Is a lineman a good career move?  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Should you sell your business?
 Should you increase your homeowners insurance to go up with your home's value?
 Should you buy a modular home for retirement?
 Is a lineman a good career move?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Should you sell your business?</li> <li>Should you increase your homeowners insurance to go up with your home's value?</li> <li>Should you buy a modular home for retirement?</li> <li>Is a lineman a good career move?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5d18adda-44f8-4e21-9f39-43e312478638]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2719299066.mp3?updated=1655234291" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Move Out of My Parents’ House?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05092022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  How to move out of your parents' house,
 How to decide whether or not to stay home with the kids,
 How to deal with a house fire,
 When to pay off a rental,
 Knowing when to downsize
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 09 May 2022 20:18:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2e6cb2a-ec15-11ec-a7ad-3b2af0f733af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  How to move out of your parents' house, How to decide whether or not to stay home with the kids, How to deal with a house fire, When to pay off a rental, Knowing when to downsize  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  How to move out of your parents' house,
 How to decide whether or not to stay home with the kids,
 How to deal with a house fire,
 When to pay off a rental,
 Knowing when to downsize
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>How to move out of your parents' house,</li> <li>How to decide whether or not to stay home with the kids,</li> <li>How to deal with a house fire,</li> <li>When to pay off a rental,</li> <li>Knowing when to downsize</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aa7eb01e-5dad-4a36-82fa-1715f521cbd1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9022965293.mp3?updated=1655234292" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Teenager’s Only Ambition Is To Be a Gamer</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05092022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  What to do when your parent hasn't planned for retirement and doesn't want to talk about it,
 Advising a teenager who wants to be a YouTube influencer when they grow up,
 Why you shouldn't use a 401(k) loan to pay off debt,
 How to deal with large medical bills,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 09 May 2022 19:18:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e33d3550-ec15-11ec-a7ad-63adbdb2fadb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  What to do when your parent hasn't planned for retirement and doesn't want to talk about it, Advising a teenager who wants to be a YouTube influencer when they grow up, Why you shouldn't use a 401(k) loan to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  What to do when your parent hasn't planned for retirement and doesn't want to talk about it,
 Advising a teenager who wants to be a YouTube influencer when they grow up,
 Why you shouldn't use a 401(k) loan to pay off debt,
 How to deal with large medical bills,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>What to do when your parent hasn't planned for retirement and doesn't want to talk about it,</li> <li>Advising a teenager who wants to be a YouTube influencer when they grow up,</li> <li>Why you shouldn't use a 401(k) loan to pay off debt,</li> <li>How to deal with large medical bills,</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ecd368b9-3ac2-43a3-bf20-db20e562f53d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3814489666.mp3?updated=1655234292" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>5 Toxic Money Habits of Narcissists</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05062022-hour3</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  The best way to become debt-free,
 Should you move to a cheaper area or try to earn more?
 When can you take a vacation during the baby steps?
 Should you use your emergency fund to buy a car with better gas mileage?
 5 toxic ways that narcissists handle money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 06 May 2022 21:16:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e394e4b2-ec15-11ec-a7ad-53a5ca2c5aa9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  The best way to become debt-free, Should you move to a cheaper area or try to earn more? When can you take a vacation during the baby steps? Should you use your emergency fund to buy a car with better gas...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  The best way to become debt-free,
 Should you move to a cheaper area or try to earn more?
 When can you take a vacation during the baby steps?
 Should you use your emergency fund to buy a car with better gas mileage?
 5 toxic ways that narcissists handle money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>The best way to become debt-free,</li> <li>Should you move to a cheaper area or try to earn more?</li> <li>When can you take a vacation during the baby steps?</li> <li>Should you use your emergency fund to buy a car with better gas mileage?</li> <li>5 toxic ways that narcissists handle money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5a3d830-75fd-4c40-b332-6faf68ad9e7c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4076662027.mp3?updated=1655234293" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Turn Off the News and Stay Focused on Your Plan!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05062022-hour2</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  How to get started with money,
 Deciding on a job switch after life changes,
 What to do with an elderly parent's house once they can no longer manage it,
 Why you shouldn't sell your house to invest in the stock market.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 06 May 2022 20:17:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3ecdb04-ec15-11ec-a7ad-6f581b99e5ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  How to get started with money, Deciding on a job switch after life changes, What to do with an elderly parent's house once they can no longer manage it, Why you shouldn't sell your house to invest in the...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  How to get started with money,
 Deciding on a job switch after life changes,
 What to do with an elderly parent's house once they can no longer manage it,
 Why you shouldn't sell your house to invest in the stock market.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>How to get started with money,</li> <li>Deciding on a job switch after life changes,</li> <li>What to do with an elderly parent's house once they can no longer manage it,</li> <li>Why you shouldn't sell your house to invest in the stock market.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[80277570-f5ef-4da1-979d-f3cd86210289]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2987401897.mp3?updated=1655234293" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Company is Closing My Division...What Do I Do?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05062022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with the Baby Steps when expecting a baby,
 Navigating a job change decision,
 Focusing on what's important during a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 06 May 2022 19:17:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e443b97e-ec15-11ec-a7ad-d705d5fa70e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do with the Baby Steps when expecting a baby, Navigating a job change decision, Focusing on what's important during a divorce.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with the Baby Steps when expecting a baby,
 Navigating a job change decision,
 Focusing on what's important during a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do with the Baby Steps when expecting a baby,</li> <li>Navigating a job change decision,</li> <li>Focusing on what's important during a divorce.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[601e84cb-f157-4df3-af29-3626a3b0be21]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5026312521.mp3?updated=1655234294" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take Money Out of Investments To Buy a House?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05052022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Cash-flowing grad school,
 Transitioning to a self-employed career,
 Whether or not to pay off debt during job transitions.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 05 May 2022 21:16:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e49bbcfa-ec15-11ec-a7ad-53ef516255bd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Cash-flowing grad school, Transitioning to a self-employed career, Whether or not to pay off debt during job transitions.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Cash-flowing grad school,
 Transitioning to a self-employed career,
 Whether or not to pay off debt during job transitions.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Cash-flowing grad school,</li> <li>Transitioning to a self-employed career,</li> <li>Whether or not to pay off debt during job transitions.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5072ad83-355f-4d4b-a6ca-556bb96d8b1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7114190597.mp3?updated=1655234294" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Get a Reverse Mortgage?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05052022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to use the proceeds from a family property,
 Whether or not a reverse mortgage is a good idea,
 Picking up extra work to pay for college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 05 May 2022 20:17:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4f325a8-ec15-11ec-a7ad-372922c97d28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to use the proceeds from a family property, Whether or not a reverse mortgage is a good idea, Picking up extra work to pay for college.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to use the proceeds from a family property,
 Whether or not a reverse mortgage is a good idea,
 Picking up extra work to pay for college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to use the proceeds from a family property,</li> <li>Whether or not a reverse mortgage is a good idea,</li> <li>Picking up extra work to pay for college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[65b55b06-d367-4b8b-8f68-5aae6850b19a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7082791042.mp3?updated=1655234295" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should I Keep in My Bank Accounts?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05052022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How much to keep in your checking and savings,
 Which distribution option to choose on a pension,
 How to determine if you have too much life insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 05 May 2022 19:17:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e54c3594-ec15-11ec-a7ad-9f2e6a101954/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How much to keep in your checking and savings, Which distribution option to choose on a pension, How to determine if you have too much life insurance.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How much to keep in your checking and savings,
 Which distribution option to choose on a pension,
 How to determine if you have too much life insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How much to keep in your checking and savings,</li> <li>Which distribution option to choose on a pension,</li> <li>How to determine if you have too much life insurance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f5e77a9c-eef2-44f6-8f6d-c287e8324dfd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3652770474.mp3?updated=1655235039" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is the Greatest Fraud in a Generation</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05042022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
 The $80 billion stolen in PPP fraud, Tithing on a vehicle sale, How much to budget for hiring employees.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </description>
      <pubDate>Wed, 04 May 2022 21:16:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5a422fe-ec15-11ec-a7ad-639347ab5f53/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss: The $80 billion stolen in PPP fraud, Tithing on a vehicle sale, How much to budget for hiring employees. Want a plan for your money? Find out where to start:   Listen to all The Ramsey Network podcasts:  </itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
 The $80 billion stolen in PPP fraud, Tithing on a vehicle sale, How much to budget for hiring employees.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <p>The $80 billion stolen in PPP fraud,<br> Tithing on a vehicle sale,<br> How much to budget for hiring employees.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a> </p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a> </p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[017b44c9-f3a0-4fa6-9c5b-c5c6a9758d77]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9568355732.mp3?updated=1655234296" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is a Career Change a Good Idea?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05042022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  How to know if a career change is a good idea,
 What to do next when when you're on baby step 7 at age 22,
 How to help a grandkid in college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 04 May 2022 20:17:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5fabd6c-ec15-11ec-a7ad-6fd594c35e92/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  How to know if a career change is a good idea, What to do next when when you're on baby step 7 at age 22, How to help a grandkid in college.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  How to know if a career change is a good idea,
 What to do next when when you're on baby step 7 at age 22,
 How to help a grandkid in college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>How to know if a career change is a good idea,</li> <li>What to do next when when you're on baby step 7 at age 22,</li> <li>How to help a grandkid in college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b9051724-85a8-4c83-9471-0c97fe0530f7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9612647957.mp3?updated=1655234296" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Mom Hasn’t Saved Money &amp; Expects Me To Provide for Her</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05042022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Should I cashflow college now or rely on my employers tuition reimbursement over time?
 Should you do a 401(k) if there's no company match?
 Does it make a sense to take a job outside your degree field?
 Are you responsible for caring for aging parents who haven't saved for retirement?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 04 May 2022 19:17:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6519bc8-ec15-11ec-a7ad-a38518c8568e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Should I cashflow college now or rely on my employers tuition reimbursement over time? Should you do a 401(k) if there's no company match? Does it make a sense to take a job outside your degree field? Are you...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Should I cashflow college now or rely on my employers tuition reimbursement over time?
 Should you do a 401(k) if there's no company match?
 Does it make a sense to take a job outside your degree field?
 Are you responsible for caring for aging parents who haven't saved for retirement?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Should I cashflow college now or rely on my employers tuition reimbursement over time?</li> <li>Should you do a 401(k) if there's no company match?</li> <li>Does it make a sense to take a job outside your degree field?</li> <li>Are you responsible for caring for aging parents who haven't saved for retirement?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4c13a2bb-62c7-4529-ad42-5d07fe2b3981]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8780469022.mp3?updated=1655234297" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Stay Gazelle Intense Forever?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05032022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Why you shouldn't stay gazelle intense forever,
 Planning for retirement later in life,
 Do the baby steps work even if you're older?
 Does it ever make sense to have more than one financial advisor?
 The best way for a blind guy to build wealth.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 03 May 2022 21:16:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6a7c200-ec15-11ec-a7ad-4f8f0e3e7eaf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Why you shouldn't stay gazelle intense forever, Planning for retirement later in life, Do the baby steps work even if you're older? Does it ever make sense to have more than one financial advisor? The best...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Why you shouldn't stay gazelle intense forever,
 Planning for retirement later in life,
 Do the baby steps work even if you're older?
 Does it ever make sense to have more than one financial advisor?
 The best way for a blind guy to build wealth.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Why you shouldn't stay gazelle intense forever,</li> <li>Planning for retirement later in life,</li> <li>Do the baby steps work even if you're older?</li> <li>Does it ever make sense to have more than one financial advisor?</li> <li>The best way for a blind guy to build wealth.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a2cc7971-67a7-4ad9-9b21-cdf267b50659]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4941429930.mp3?updated=1655234297" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Let Your Debt Make Your Decisions for You</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05032022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to handle a devastating house fire,
 Their favorite cheap fast food meals, best concerts, and worst bosses,
 How to talk to your parents about getting long-term care insurance,
 How to use profit from selling your home.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 03 May 2022 20:17:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6fe1736-ec15-11ec-a7ad-1714fd736f41/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to handle a devastating house fire, Their favorite cheap fast food meals, best concerts, and worst bosses, How to talk to your parents about getting long-term care insurance, How to use profit from...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to handle a devastating house fire,
 Their favorite cheap fast food meals, best concerts, and worst bosses,
 How to talk to your parents about getting long-term care insurance,
 How to use profit from selling your home.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to handle a devastating house fire,</li> <li>Their favorite cheap fast food meals, best concerts, and worst bosses,</li> <li>How to talk to your parents about getting long-term care insurance,</li> <li>How to use profit from selling your home.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c2f0d63-e23e-448e-903c-7ee250b939cf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8108833691.mp3?updated=1655234298" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Ex-Boyfriend Is Calling Me a Thief</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05032022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Should I cash flow law school or become a mortgage broker?
 What happens when you combine finances in a toxic relationship,
 How you should handle interest-free debt in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 03 May 2022 19:17:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7547c16-ec15-11ec-a7ad-e7f3dc5a0316/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Should I cash flow law school or become a mortgage broker? What happens when you combine finances in a toxic relationship, How you should handle interest-free debt in the debt snowball.  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Should I cash flow law school or become a mortgage broker?
 What happens when you combine finances in a toxic relationship,
 How you should handle interest-free debt in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Should I cash flow law school or become a mortgage broker?</li> <li>What happens when you combine finances in a toxic relationship,</li> <li>How you should handle interest-free debt in the debt snowball.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[98b2ed4d-89a5-48e4-bdea-9081a8caba69]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7307130756.mp3?updated=1655234298" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Be Dramatic &amp; Win at Investing </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05022022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to convince friends and family that they should pay off their house,
 Why you can't win at investing if you're too dramatic about the market,
 How to handle a surprise pregnancy financially.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 02 May 2022 21:16:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7ab5d9c-ec15-11ec-a7ad-332a8f2f37fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to convince friends and family that they should pay off their house, Why you can't win at investing if you're too dramatic about the market, How to handle a surprise pregnancy financially.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to convince friends and family that they should pay off their house,
 Why you can't win at investing if you're too dramatic about the market,
 How to handle a surprise pregnancy financially.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to convince friends and family that they should pay off their house,</li> <li>Why you can't win at investing if you're too dramatic about the market,</li> <li>How to handle a surprise pregnancy financially.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7500360e-2b8a-49e0-aff3-f077ac69e2bc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9045494384.mp3?updated=1655234299" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> “Greedy Rich People”: Ashton Kutcher &amp; Mila Kunis Help Ukrainian Refugees </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05022022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Ashton Kutcher &amp; Mila Kunis' outrageous generosity,
 Going out on your own after getting laid off,
 When it makes sense to move across the country.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 02 May 2022 20:17:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e802e5c6-ec15-11ec-a7ad-d38df39d805c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Ashton Kutcher &amp; Mila Kunis' outrageous generosity, Going out on your own after getting laid off, When it makes sense to move across the country.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Ashton Kutcher &amp; Mila Kunis' outrageous generosity,
 Going out on your own after getting laid off,
 When it makes sense to move across the country.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Ashton Kutcher &amp; Mila Kunis' outrageous generosity,</li> <li>Going out on your own after getting laid off,</li> <li>When it makes sense to move across the country.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[25ea58f0-767b-4a23-bbfd-a59ea8cd6e88]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1469835233.mp3?updated=1655234300" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s the #1 Thing You Can Do To Leave a Legacy</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-05022022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Giving care to a parent with Alzheimer's,
 Why everyone needs a will,
 How to spend a large inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 02 May 2022 19:17:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e85992cc-ec15-11ec-a7ad-9f0b9d78190f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Giving care to a parent with Alzheimer's, Why everyone needs a will, How to spend a large inheritance.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Giving care to a parent with Alzheimer's,
 Why everyone needs a will,
 How to spend a large inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Giving care to a parent with Alzheimer's,</li> <li>Why everyone needs a will,</li> <li>How to spend a large inheritance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e1356e89-420e-4ca1-9955-c927564ff871]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1065737354.mp3?updated=1655234300" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Lease a Horse? (Yes, a Horse)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04292022-hour3</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Deciding between two different health insurance plans,
 Buying a car when starting a new family,
 The foolishness of waiting for the government to forgive student loans,
 How compound interest works,
 Does it ever make sense to lease a horse? (Neigh, it does not)
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 29 Apr 2022 21:16:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8afac0c-ec15-11ec-a7ad-23afc7284642/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Deciding between two different health insurance plans, Buying a car when starting a new family, The foolishness of waiting for the government to forgive student loans, How compound interest works, Does it ever...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Deciding between two different health insurance plans,
 Buying a car when starting a new family,
 The foolishness of waiting for the government to forgive student loans,
 How compound interest works,
 Does it ever make sense to lease a horse? (Neigh, it does not)
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Deciding between two different health insurance plans,</li> <li>Buying a car when starting a new family,</li> <li>The foolishness of waiting for the government to forgive student loans,</li> <li>How compound interest works,</li> <li>Does it ever make sense to lease a horse? (Neigh, it does not)</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7cd9175d-c792-4d31-91ab-70cb60891192]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5574885296.mp3?updated=1655234300" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> My In-Laws Want To Buy Us a House </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04292022-hour2</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Fear about buying a house,
 How to pay for a master's degree,
 How to handle money from a settlement,
 Avoiding student loans,
 Getting on the right path in college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 29 Apr 2022 20:17:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e92083aa-ec15-11ec-a7ad-7752ba98f684/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Fear about buying a house, How to pay for a master's degree, How to handle money from a settlement, Avoiding student loans, Getting on the right path in college.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Fear about buying a house,
 How to pay for a master's degree,
 How to handle money from a settlement,
 Avoiding student loans,
 Getting on the right path in college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Fear about buying a house,</li> <li>How to pay for a master's degree,</li> <li>How to handle money from a settlement,</li> <li>Avoiding student loans,</li> <li>Getting on the right path in college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3f561952-3246-4f6f-ab59-5a2b41505674]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2387708536.mp3?updated=1655235041" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have To Take Responsibility for Your Debt </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04292022-hour1</link>
      <description>Ken Coleman &amp; George Kamel discuss: • The best way to tackle your student loans, • Why even wealthy celebrities (like Jessica Simpson) need a budget like the rest of us, • What to do when you're being sued by a credit card company, • How to decide whether or not to move.  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Fri, 29 Apr 2022 19:17:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e975fbfa-ec15-11ec-a7ad-f3a1e25ae680/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss: • The best way to tackle your student loans, • Why even wealthy celebrities (like Jessica Simpson) need a budget like the rest of us, • What to do when you're being sued by a credit card company, • How...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss: • The best way to tackle your student loans, • Why even wealthy celebrities (like Jessica Simpson) need a budget like the rest of us, • What to do when you're being sued by a credit card company, • How to decide whether or not to move.  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:<br> • The best way to tackle your student loans,<br> • Why even wealthy celebrities (like Jessica Simpson) need a budget like the rest of us,<br> • What to do when you're being sued by a credit card company,<br> • How to decide whether or not to move.<br> <br> Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[abf71a52-069c-4fc0-b41a-214cb247c431]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7198126625.mp3?updated=1655234301" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It IS Possible To Go to College Debt Free!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04282022-hour3</link>
      <description>It IS Possible To Go to College Debt Free!
  What to do if only one of your kids is college-bound,
 The decoupling of college from reality in our current culture,
 How to plan for college while your kids are still young.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Apr 2022 21:16:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e9cb8390-ec15-11ec-a7ad-eb8efc57fab2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It IS Possible To Go to College Debt Free!  What to do if only one of your kids is college-bound, The decoupling of college from reality in our current culture, How to plan for college while your kids are still young.  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>It IS Possible To Go to College Debt Free!
  What to do if only one of your kids is college-bound,
 The decoupling of college from reality in our current culture,
 How to plan for college while your kids are still young.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It IS Possible To Go to College Debt Free!</p> <ul> <li>What to do if only one of your kids is college-bound,</li> <li>The decoupling of college from reality in our current culture,</li> <li>How to plan for college while your kids are still young.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6b19c762-6555-4838-91c6-74a6fe3aa9c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3526064497.mp3?updated=1655234302" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> Inflation Sucks but It’s Not Going To Kill You</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04282022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Inflation has made the economy suck, but you have to control what you can control,
 Should a married couple move in with their parents?
 Why it makes sense to pay off your house instead of investing that money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Apr 2022 20:17:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea2190aa-ec15-11ec-a7ad-eb66eabdb435/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Inflation has made the economy suck, but you have to control what you can control, Should a married couple move in with their parents? Why it makes sense to pay off your house instead of investing that money....</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Inflation has made the economy suck, but you have to control what you can control,
 Should a married couple move in with their parents?
 Why it makes sense to pay off your house instead of investing that money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Inflation has made the economy suck, but you have to control what you can control,</li> <li>Should a married couple move in with their parents?</li> <li>Why it makes sense to pay off your house instead of investing that money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e84c6131-76ed-436f-8a69-faf6f351551f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2362871917.mp3?updated=1655234302" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What if We Don’t Use Our Kids’ 529 Plan? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04282022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Selling investment properties to pay off debt,
 Why you should do a 529,
 How to handle debt collectors,
 How to pick funds for your 401(k).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 28 Apr 2022 19:17:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea7afdde-ec15-11ec-a7ad-f3577c28a039/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Selling investment properties to pay off debt, Why you should do a 529, How to handle debt collectors, How to pick funds for your 401(k).  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Selling investment properties to pay off debt,
 Why you should do a 529,
 How to handle debt collectors,
 How to pick funds for your 401(k).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Selling investment properties to pay off debt,</li> <li>Why you should do a 529,</li> <li>How to handle debt collectors,</li> <li>How to pick funds for your 401(k).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f5d5d5e-2c81-4ec8-8a5c-834692d3420a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6135260516.mp3?updated=1655234303" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Ordinary People Build Extraordinary Wealth</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04272022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss how anyone can become a millionaire by following the baby steps.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Apr 2022 21:16:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ead19ab8-ec15-11ec-a7ad-bb34fd173c7a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss how anyone can become a millionaire by following the baby steps. Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss how anyone can become a millionaire by following the baby steps.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss how anyone can become a millionaire by following the baby steps.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[221f65bb-d918-48d4-a32b-db7914343bec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3795940007.mp3?updated=1655234303" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Scared To Pause Investing While Paying Off Debt</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04272022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Buying a family farmhouse,
 Why you should pause investing to get out of debt,
 What to do when you have a company car,
 When spouses disagree on how to care for aging family.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Apr 2022 20:17:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb27d0cc-ec15-11ec-a7ad-53ef65d1a375/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Buying a family farmhouse, Why you should pause investing to get out of debt, What to do when you have a company car, When spouses disagree on how to care for aging family.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Buying a family farmhouse,
 Why you should pause investing to get out of debt,
 What to do when you have a company car,
 When spouses disagree on how to care for aging family.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Buying a family farmhouse,</li> <li>Why you should pause investing to get out of debt,</li> <li>What to do when you have a company car,</li> <li>When spouses disagree on how to care for aging family.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[303cde5c-5444-43bb-86cd-de3d51bdb929]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4909274268.mp3?updated=1655234304" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy a New Car?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04272022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you buy a new car?
 How to handle a debt in collections,
 Reducing your tax burden.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 27 Apr 2022 19:17:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb7d7a68-ec15-11ec-a7ad-2bc5795f44a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you buy a new car? How to handle a debt in collections, Reducing your tax burden.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you buy a new car?
 How to handle a debt in collections,
 Reducing your tax burden.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you buy a new car?</li> <li>How to handle a debt in collections,</li> <li>Reducing your tax burden.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ff8d038d-a54b-41eb-9a1f-35a6420dece1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8539216115.mp3?updated=1655234305" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Invest During a Down Economy</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04262022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  The idea of investing less to pay off your house faster,
 Why a 30yr mortgage is a bad idea,
 Preparing for a baby while still in school,
 Why you should work the proven process to in order to prosper.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Apr 2022 21:17:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ebd301cc-ec15-11ec-a7ad-37ecc741f3cb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  The idea of investing less to pay off your house faster, Why a 30yr mortgage is a bad idea, Preparing for a baby while still in school, Why you should work the proven process to in order to prosper.  Want a plan...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  The idea of investing less to pay off your house faster,
 Why a 30yr mortgage is a bad idea,
 Preparing for a baby while still in school,
 Why you should work the proven process to in order to prosper.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>The idea of investing less to pay off your house faster,</li> <li>Why a 30yr mortgage is a bad idea,</li> <li>Preparing for a baby while still in school,</li> <li>Why you should work the proven process to in order to prosper.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[509142eb-69f8-4bf7-811f-97c7b47b8e80]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9139890916.mp3?updated=1655234305" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Can We Learn From the Twitter Shakeup?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04262022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Twitter Employees' reaction to Elon Musk's takeover,
 The risk of trying to time the real estate market during inflation,
 The best way to invest (hint: it isn't in gold).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Apr 2022 20:24:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec28274c-ec15-11ec-a7ad-4314a0910614/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Twitter Employees' reaction to Elon Musk's takeover, The risk of trying to time the real estate market during inflation, The best way to invest (hint: it isn't in gold).  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Twitter Employees' reaction to Elon Musk's takeover,
 The risk of trying to time the real estate market during inflation,
 The best way to invest (hint: it isn't in gold).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Twitter Employees' reaction to Elon Musk's takeover,</li> <li>The risk of trying to time the real estate market during inflation,</li> <li>The best way to invest (hint: it isn't in gold).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[120048aa-e180-4817-8d69-9dd703a91902]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1497388125.mp3?updated=1655234305" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s How You Make Money in Real Estate</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04262022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  When both spouses are looking to make a career change,
 Paying off student loans when a baby is on the way,
 The best way to make money in real estate,
 Pausing retirement to go back to school.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 26 Apr 2022 20:15:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec7d279c-ec15-11ec-a7ad-330e5ae64f3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  When both spouses are looking to make a career change, Paying off student loans when a baby is on the way, The best way to make money in real estate, Pausing retirement to go back to school.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  When both spouses are looking to make a career change,
 Paying off student loans when a baby is on the way,
 The best way to make money in real estate,
 Pausing retirement to go back to school.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>When both spouses are looking to make a career change,</li> <li>Paying off student loans when a baby is on the way,</li> <li>The best way to make money in real estate,</li> <li>Pausing retirement to go back to school.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d0552211-4678-4cf0-be05-bbcbf6ecaf4e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5038185118.mp3?updated=1655234306" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Took a Trip to "I Deserve" Island</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04252022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss: • Using gift money to pay off debt, • How to support an overwhelmed younger sibling, • Whether or not you should buy life insurance if you don't have income.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
  Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Mon, 25 Apr 2022 21:15:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecd2cdb4-ec15-11ec-a7ad-630f4a9bdaf1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss: • Using gift money to pay off debt, • How to support an overwhelmed younger sibling, • Whether or not you should buy life insurance if you don't have income. Want a plan for your money? Find out where...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss: • Using gift money to pay off debt, • How to support an overwhelmed younger sibling, • Whether or not you should buy life insurance if you don't have income.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
  Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:<br> • Using gift money to pay off debt,<br> • How to support an overwhelmed younger sibling,<br> • Whether or not you should buy life insurance if you don't have income.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p><br> Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[121580cc-635e-42b3-9693-c5dfbcac6536]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4493843228.mp3?updated=1655234306" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Employee Was in an Accident...How Do I Handle the $50K Medical Bill? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04252022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss: • What to do when an employee is hurt on a work event. • How to tackle debt in the wake of a divorce, • A side hustle-centric Debt-Free Scream.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Mon, 25 Apr 2022 20:17:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed28cc28-ec15-11ec-a7ad-67687d8e0105/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss: • What to do when an employee is hurt on a work event. • How to tackle debt in the wake of a divorce, • A side hustle-centric Debt-Free Scream. Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss: • What to do when an employee is hurt on a work event. • How to tackle debt in the wake of a divorce, • A side hustle-centric Debt-Free Scream.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:<br> • What to do when an employee is hurt on a work event.<br> • How to tackle debt in the wake of a divorce,<br> • A side hustle-centric Debt-Free Scream.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a776d3af-baa5-4570-b91e-fe30780a49ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2749684460.mp3?updated=1655234307" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Married $100K of Debt! </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04252022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss: • A marital dispute involving the sale of a family property, • How to find out what you were made to do, • What to do with an inheritance.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Mon, 25 Apr 2022 19:17:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed805326-ec15-11ec-a7ad-339daf118387/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss: • A marital dispute involving the sale of a family property, • How to find out what you were made to do, • What to do with an inheritance. Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss: • A marital dispute involving the sale of a family property, • How to find out what you were made to do, • What to do with an inheritance.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:<br> • A marital dispute involving the sale of a family property,<br> • How to find out what you were made to do,<br> • What to do with an inheritance.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1792abc4-093d-4bd6-b9df-53b326cce9ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5676942683.mp3?updated=1655234308" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is “Cash Stuffing” the New Envelope System? </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04222022-hour3</link>
      <description>Rachel Cruze &amp; Kristina Ellis discuss:
  Converting a 401(k) to a Roth,
 How to pay for a college degree?
 Gen-Z's obsession with #cashstuffing,
 Buying a condo to rent out now and live in after retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Apr 2022 21:15:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/edd5c8c4-ec15-11ec-a7ad-ffc0e0e8e1d8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; Kristina Ellis discuss:  Converting a 401(k) to a Roth, How to pay for a college degree? Gen-Z's obsession with #cashstuffing, Buying a condo to rent out now and live in after retirement.  Want a plan for your money? Find out where...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Kristina Ellis discuss:
  Converting a 401(k) to a Roth,
 How to pay for a college degree?
 Gen-Z's obsession with #cashstuffing,
 Buying a condo to rent out now and live in after retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Kristina Ellis discuss:</p> <ul> <li>Converting a 401(k) to a Roth,</li> <li>How to pay for a college degree?</li> <li>Gen-Z's obsession with #cashstuffing,</li> <li>Buying a condo to rent out now and live in after retirement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[daf11a03-d0ef-4c15-a8c8-9f13affdc078]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3971503942.mp3?updated=1655234308" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Outearn Bad Habits</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04222022-hour2</link>
      <description>Rachel Cruze &amp; Ken Coleman discuss:
  Should you invest less so you can give more?
 The best way to move up in house,
 Deciding to stay home with the kids,
 Why earning more money doesn't equal winning with money,
 How to navigate the baby steps after a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Apr 2022 20:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee2b06ea-ec15-11ec-a7ad-13544ee3c9c9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; Ken Coleman discuss:  Should you invest less so you can give more? The best way to move up in house, Deciding to stay home with the kids, Why earning more money doesn't equal winning with money, How to navigate the baby steps after...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; Ken Coleman discuss:
  Should you invest less so you can give more?
 The best way to move up in house,
 Deciding to stay home with the kids,
 Why earning more money doesn't equal winning with money,
 How to navigate the baby steps after a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; Ken Coleman discuss:</p> <ul> <li>Should you invest less so you can give more?</li> <li>The best way to move up in house,</li> <li>Deciding to stay home with the kids,</li> <li>Why earning more money doesn't equal winning with money,</li> <li>How to navigate the baby steps after a divorce.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[10ff4c35-c74b-46ca-9e3f-3c4ccc76cd78]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8932578124.mp3?updated=1655234308" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Balance Between Paying Off Debt &amp; Enjoying Life</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04222022-hour1</link>
      <description>Rachel Cruze discusses:
  How to save up for a house,
 What to do with a large inheritance,
 Why the debt snowball method works better than the avalanche method,
 How to talk to kids about money,
 Why credit cards aren't worth the points,
 Balancing gazelle intensity with enjoying life.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 22 Apr 2022 19:17:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee80a2a8-ec15-11ec-a7ad-37548f73ec1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze discusses:  How to save up for a house, What to do with a large inheritance, Why the debt snowball method works better than the avalanche method, How to talk to kids about money, Why credit cards aren't worth the points, Balancing gazelle...</itunes:subtitle>
      <itunes:summary>Rachel Cruze discusses:
  How to save up for a house,
 What to do with a large inheritance,
 Why the debt snowball method works better than the avalanche method,
 How to talk to kids about money,
 Why credit cards aren't worth the points,
 Balancing gazelle intensity with enjoying life.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze discusses:</p> <ul> <li>How to save up for a house,</li> <li>What to do with a large inheritance,</li> <li>Why the debt snowball method works better than the avalanche method,</li> <li>How to talk to kids about money,</li> <li>Why credit cards aren't worth the points,</li> <li>Balancing gazelle intensity with enjoying life.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2fa8c9b7-43e4-44a0-8096-08d7494871c3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2784325627.mp3?updated=1655234309" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Pay Employees More Due to Inflation?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04212022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Facing difficulty qualifying for life insurance,
 Should you pay your employees more because of inflation?
 Buying a house for your kids.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Apr 2022 21:15:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eed6feb4-ec15-11ec-a7ad-57c4e53aacd8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Facing difficulty qualifying for life insurance, Should you pay your employees more because of inflation? Buying a house for your kids.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Facing difficulty qualifying for life insurance,
 Should you pay your employees more because of inflation?
 Buying a house for your kids.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Facing difficulty qualifying for life insurance,</li> <li>Should you pay your employees more because of inflation?</li> <li>Buying a house for your kids.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f113df0f-731f-4551-8223-584a749e3524]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3852781918.mp3?updated=1655234310" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Are You Willing To Sacrifice To Win?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04212022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  How to start the rest of your life after you graduate college,
 Worrying about making enough money to support your family,
 Deciding which debt to tackle first.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Apr 2022 20:17:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef2e3698-ec15-11ec-a7ad-9fabbdf1a838/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  How to start the rest of your life after you graduate college, Worrying about making enough money to support your family, Deciding which debt to tackle first.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  How to start the rest of your life after you graduate college,
 Worrying about making enough money to support your family,
 Deciding which debt to tackle first.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>How to start the rest of your life after you graduate college,</li> <li>Worrying about making enough money to support your family,</li> <li>Deciding which debt to tackle first.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7a08a28-b4ff-4d35-b6ec-99de20c11590]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1618541045.mp3?updated=1655234310" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"You're Like, an Adult and Stuff..."</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04212022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Growing up and making money decisions independent of your parents,
 Avoiding false narratives and fatalistic decisions around buying a house,
 The wisdom of paying off your house early (vs. investing that money),
 How to fix an account in collections,
 Fear of quitting a job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 21 Apr 2022 19:17:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef8271d6-ec15-11ec-a7ad-0b0f6824e8e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Growing up and making money decisions independent of your parents, Avoiding false narratives and fatalistic decisions around buying a house, The wisdom of paying off your house early (vs. investing that money),...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Growing up and making money decisions independent of your parents,
 Avoiding false narratives and fatalistic decisions around buying a house,
 The wisdom of paying off your house early (vs. investing that money),
 How to fix an account in collections,
 Fear of quitting a job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Growing up and making money decisions independent of your parents,</li> <li>Avoiding false narratives and fatalistic decisions around buying a house,</li> <li>The wisdom of paying off your house early (vs. investing that money),</li> <li>How to fix an account in collections,</li> <li>Fear of quitting a job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8186d34f-8219-4081-b168-faf8c0127ec9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5658726950.mp3?updated=1655234311" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Have $500K in the Bank I’m Afraid To Invest </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04202022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  What to do with a 529 you no longer need,
 Why you should balance saving cash in the bank with investing it,
 What to do with an annuity.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Apr 2022 21:15:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/efd5e208-ec15-11ec-a7ad-43b0227cb07f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  What to do with a 529 you no longer need, Why you should balance saving cash in the bank with investing it, What to do with an annuity.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  What to do with a 529 you no longer need,
 Why you should balance saving cash in the bank with investing it,
 What to do with an annuity.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>What to do with a 529 you no longer need,</li> <li>Why you should balance saving cash in the bank with investing it,</li> <li>What to do with an annuity.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c9beec1-1cce-4227-9bd7-80b89d17c644]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3925923989.mp3?updated=1655234311" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Will Today Be the Day You Decide To Change Everything?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04202022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  How one L.A. couple decided going into debt for their wedding wasn't an option,
 The moment you decide you need to change your financial future,
 A young lady who worked 96 hours a week as a nurse to pay off $234k in debt!
 Buying a rental when you still have a mortgage on your primary residence.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Apr 2022 20:17:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0326906-ec15-11ec-a7ad-7bb2200c482a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  How one L.A. couple decided going into debt for their wedding wasn't an option, The moment you decide you need to change your financial future, A young lady who worked 96 hours a week as a nurse to pay off...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  How one L.A. couple decided going into debt for their wedding wasn't an option,
 The moment you decide you need to change your financial future,
 A young lady who worked 96 hours a week as a nurse to pay off $234k in debt!
 Buying a rental when you still have a mortgage on your primary residence.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>How one L.A. couple decided going into debt for their wedding wasn't an option,</li> <li>The moment you decide you need to change your financial future,</li> <li>A young lady who worked 96 hours a week as a nurse to pay off $234k in debt!</li> <li>Buying a rental when you still have a mortgage on your primary residence.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8dee0bb9-30a6-4c75-8648-b7bacf6879e7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4930611305.mp3?updated=1655234312" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My In-Laws Won’t Save for Retirement!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04202022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Dealing with a toxic work situation,
 Whether or not to convert to a Roth,
 What to do when your grandparents want to give you a whole life policy,
 How to think through selling your business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 20 Apr 2022 19:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f085b336-ec15-11ec-a7ad-5760fa158256/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Dealing with a toxic work situation, Whether or not to convert to a Roth, What to do when your grandparents want to give you a whole life policy, How to think through selling your business.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Dealing with a toxic work situation,
 Whether or not to convert to a Roth,
 What to do when your grandparents want to give you a whole life policy,
 How to think through selling your business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Dealing with a toxic work situation,</li> <li>Whether or not to convert to a Roth,</li> <li>What to do when your grandparents want to give you a whole life policy,</li> <li>How to think through selling your business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[72f13cd6-37ac-4035-a812-3b9eb3f0b466]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6281784354.mp3?updated=1655234312" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“It Felt Like I Was Getting Out of Prison”</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04192022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do when you disagree with your spouse about money,
 The value of a Roth 401(k),
 The logic of getting an expensive masters degree if you plan to stay home with the kids afterwards.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Apr 2022 21:28:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0d95428-ec15-11ec-a7ad-8fc10dec24e8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do when you disagree with your spouse about money, The value of a Roth 401(k), The logic of getting an expensive masters degree if you plan to stay home with the kids afterwards.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do when you disagree with your spouse about money,
 The value of a Roth 401(k),
 The logic of getting an expensive masters degree if you plan to stay home with the kids afterwards.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do when you disagree with your spouse about money,</li> <li>The value of a Roth 401(k),</li> <li>The logic of getting an expensive masters degree if you plan to stay home with the kids afterwards.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b9a04095-7ae8-4b49-95bb-8fe913bba6a4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6949418418.mp3?updated=1655234313" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It Shouldn’t Be This Complicated To Gift Money</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04192022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  When it makes sense to get a financial advisor,
 Teaching FPU while you're still in baby step 2,
 When you need long-term care insurance,
 Should you buy the house next door?
 How to best use money to care for kids.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Apr 2022 20:17:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f12fc5ec-ec15-11ec-a7ad-a3bdde4a181d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  When it makes sense to get a financial advisor, Teaching FPU while you're still in baby step 2, When you need long-term care insurance, Should you buy the house next door? How to best use money to care for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  When it makes sense to get a financial advisor,
 Teaching FPU while you're still in baby step 2,
 When you need long-term care insurance,
 Should you buy the house next door?
 How to best use money to care for kids.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>When it makes sense to get a financial advisor,</li> <li>Teaching FPU while you're still in baby step 2,</li> <li>When you need long-term care insurance,</li> <li>Should you buy the house next door?</li> <li>How to best use money to care for kids.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aa2f9693-34c3-4672-a786-ea030a6e1c2e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1161999887.mp3?updated=1655234313" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Make Smart Decisions Around Selling Your Home</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04192022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a large sum of money from a home sale,
 Email scams,
 Selling a home in a different state,
 Budgeting for business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 19 Apr 2022 19:17:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f18777e2-ec15-11ec-a7ad-ebdbbcdd3ea8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do with a large sum of money from a home sale, Email scams, Selling a home in a different state, Budgeting for business.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a large sum of money from a home sale,
 Email scams,
 Selling a home in a different state,
 Budgeting for business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do with a large sum of money from a home sale,</li> <li>Email scams,</li> <li>Selling a home in a different state,</li> <li>Budgeting for business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8e24a810-e0cb-4de7-a9f9-013ae4aea7f2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7913743553.mp3?updated=1655234314" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Quit Enabling Others! You Aren't Helping...</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04182022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to avoid enabling your family members,
 Starting a college fund for young kids,
 Helping elderly parents plan for retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Apr 2022 21:15:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da2f1320-f22d-11ec-b8fd-978314a16839/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to avoid enabling your family members, Starting a college fund for young kids, Helping elderly parents plan for retirement.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to avoid enabling your family members,
 Starting a college fund for young kids,
 Helping elderly parents plan for retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to avoid enabling your family members,</li> <li>Starting a college fund for young kids,</li> <li>Helping elderly parents plan for retirement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[836dff7f-1ca9-4da3-a548-d825f22214f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1399796897.mp3?updated=1655907419" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Once You Find Your “Why”, You Can Sacrifice To Win</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04182022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to get a mortgage without a credit score,
 Finding a job that's closer to home,
 Investing in Roth vs. a 401(k),
 What to do with investment properties that aren't profitable,
 Picking up extra work to pay for college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Apr 2022 20:17:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da972e42-f22d-11ec-b8fd-ebc60da3eb1d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to get a mortgage without a credit score, Finding a job that's closer to home, Investing in Roth vs. a 401(k), What to do with investment properties that aren't profitable, Picking up extra work to pay for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to get a mortgage without a credit score,
 Finding a job that's closer to home,
 Investing in Roth vs. a 401(k),
 What to do with investment properties that aren't profitable,
 Picking up extra work to pay for college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to get a mortgage without a credit score,</li> <li>Finding a job that's closer to home,</li> <li>Investing in Roth vs. a 401(k),</li> <li>What to do with investment properties that aren't profitable,</li> <li>Picking up extra work to pay for college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[183b35bb-da0f-4432-8529-30f211a60825]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4777801446.mp3?updated=1655907420" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’ve Lost Our Sense of Identity After Paying Off Debt</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04182022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Rediscovering your identity after being focused on paying off debt for so long,
 Grieving after a miscarriage and knowing the next right financial step.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 18 Apr 2022 19:17:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db0fd1da-f22d-11ec-b8fd-bf6d07e5da53/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Rediscovering your identity after being focused on paying off debt for so long, Grieving after a miscarriage and knowing the next right financial step.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Rediscovering your identity after being focused on paying off debt for so long,
 Grieving after a miscarriage and knowing the next right financial step.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Rediscovering your identity after being focused on paying off debt for so long,</li> <li>Grieving after a miscarriage and knowing the next right financial step.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f324b6ed-22f6-47de-b10b-045e00a3bf24]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8021690310.mp3?updated=1655907420" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Gazelle Hit a Brick Wall!</title>
      <link>http://draudioarchives.libsyn.com/my-gazelle-hit-a-brick-wall</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Choosing between job opportunities,
 Why whole life insurance is a BAD idea,
 How to save more money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Apr 2022 21:38:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dbe3d124-f22d-11ec-b8fd-9b0c87104fb9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Choosing between job opportunities, Why whole life insurance is a BAD idea, How to save more money.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Choosing between job opportunities,
 Why whole life insurance is a BAD idea,
 How to save more money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Choosing between job opportunities,</li> <li>Why whole life insurance is a BAD idea,</li> <li>How to save more money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8d787915-7ef3-413a-a22d-1d9d2d28d3f4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6991688488.mp3?updated=1655907421" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm New to the Plan...How Do We Pay Off Debt?</title>
      <link>http://draudioarchives.libsyn.com/im-new-to-the-planhow-do-we-pay-off-debt</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Tackling your student loans,
 What to do about job burnout,
 Navigating vehicle needs for your business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Apr 2022 21:30:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd958594-f22d-11ec-b8fd-1fe4e77fbb9b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Tackling your student loans, What to do about job burnout, Navigating vehicle needs for your business.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Tackling your student loans,
 What to do about job burnout,
 Navigating vehicle needs for your business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Tackling your student loans,</li> <li>What to do about job burnout,</li> <li>Navigating vehicle needs for your business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[77545ea8-9c76-4cf8-9374-0b14c2e3facc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6270813650.mp3?updated=1655907421" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Kept My Wife Out of Our Finances</title>
      <link>http://draudioarchives.libsyn.com/i-kept-my-wife-out-of-our-finances</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a bonus from work,
 A 22-year-old getting a $1 million inheritance,
 How to set yourself up for success after college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 15 Apr 2022 21:21:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ddf003d4-f22d-11ec-b8fd-0ff17c663353/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do with a bonus from work, A 22-year-old getting a $1 million inheritance, How to set yourself up for success after college.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a bonus from work,
 A 22-year-old getting a $1 million inheritance,
 How to set yourself up for success after college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do with a bonus from work,</li> <li>A 22-year-old getting a $1 million inheritance,</li> <li>How to set yourself up for success after college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2118f8db-240e-4701-8c22-e82ab3ab3065]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4542191551.mp3?updated=1655907421" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Teaching Kids To Win With Money</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04142022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss Financial Literacy and talk to teachers across the country about:
  How students can save and grow their money,
 Teaching students the value of cash in a digital age,
 Helping kids who come from disengaged homes,
 Supporting students with different backgrounds.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Apr 2022 21:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de51bffc-f22d-11ec-b8fd-e763dd1fa502/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss Financial Literacy and talk to teachers across the country about:  How students can save and grow their money, Teaching students the value of cash in a digital age, Helping kids who come from disengaged homes,...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss Financial Literacy and talk to teachers across the country about:
  How students can save and grow their money,
 Teaching students the value of cash in a digital age,
 Helping kids who come from disengaged homes,
 Supporting students with different backgrounds.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss Financial Literacy and talk to teachers across the country about:</p> <ul> <li>How students can save and grow their money,</li> <li>Teaching students the value of cash in a digital age,</li> <li>Helping kids who come from disengaged homes,</li> <li>Supporting students with different backgrounds.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8dd65a94-dc61-44ff-bd9b-50d27a9b46ba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3123399480.mp3?updated=1655907422" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Can I Pay For Home Repairs?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04142022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Selling stocks to pay off debt,
 Sacrificing to win and paying off $1.2m in debt,
 Where home repairs go in the baby steps.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Apr 2022 20:15:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/deabc286-f22d-11ec-b8fd-c77365debb56/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Selling stocks to pay off debt, Sacrificing to win and paying off $1.2m in debt, Where home repairs go in the baby steps.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Selling stocks to pay off debt,
 Sacrificing to win and paying off $1.2m in debt,
 Where home repairs go in the baby steps.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Selling stocks to pay off debt,</li> <li>Sacrificing to win and paying off $1.2m in debt,</li> <li>Where home repairs go in the baby steps.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc80233b-22a2-4538-8b72-98988ce3b71c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5624231862.mp3?updated=1655907422" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With Deadbeats Who Go Back on Their Word</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04142022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How young people can avoid money mistakes as they get older,
 Dangerous disagreements about money leading up to marriage,
 Dealing with people who flake out on their financial obligations,
 Paying off your student loans despite the extended pause.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 14 Apr 2022 19:19:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df4b1eee-f22d-11ec-b8fd-b74845645ecd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How young people can avoid money mistakes as they get older, Dangerous disagreements about money leading up to marriage, Dealing with people who flake out on their financial obligations, Paying off your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How young people can avoid money mistakes as they get older,
 Dangerous disagreements about money leading up to marriage,
 Dealing with people who flake out on their financial obligations,
 Paying off your student loans despite the extended pause.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How young people can avoid money mistakes as they get older,</li> <li>Dangerous disagreements about money leading up to marriage,</li> <li>Dealing with people who flake out on their financial obligations,</li> <li>Paying off your student loans despite the extended pause.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ed55fad4-5ed4-487c-83cf-4990092bf5de]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4475146003.mp3?updated=1655907423" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Celebrate Small Wins While Paying Off Debt?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04132022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The FTC suing Turbo Tax for deceptive marketing tactics,
 How to celebrate small wins while still paying off debt,
 Buying a house during retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Apr 2022 21:15:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dfe299e0-f22d-11ec-b8fd-7f04fa8c5a1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The FTC suing Turbo Tax for deceptive marketing tactics, How to celebrate small wins while still paying off debt, Buying a house during retirement.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The FTC suing Turbo Tax for deceptive marketing tactics,
 How to celebrate small wins while still paying off debt,
 Buying a house during retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The FTC suing Turbo Tax for deceptive marketing tactics,</li> <li>How to celebrate small wins while still paying off debt,</li> <li>Buying a house during retirement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b7201dc4-56c5-46c1-8496-fad800f47248]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1797622201.mp3?updated=1655907423" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Path to Building Real Wealth Isn’t Sexy</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04132022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  When you should buy your family business,
 How to allocate funds in your portfolio,
 How to pay yourself when you run your own business,
 Investing in a Roth vs. deferring taxes until retirement,
 The right way to buy your first home.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Apr 2022 20:15:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0527a30-f22d-11ec-b8fd-d712b2dd8079/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  When you should buy your family business, How to allocate funds in your portfolio, How to pay yourself when you run your own business, Investing in a Roth vs. deferring taxes until retirement, The right way to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  When you should buy your family business,
 How to allocate funds in your portfolio,
 How to pay yourself when you run your own business,
 Investing in a Roth vs. deferring taxes until retirement,
 The right way to buy your first home.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>When you should buy your family business,</li> <li>How to allocate funds in your portfolio,</li> <li>How to pay yourself when you run your own business,</li> <li>Investing in a Roth vs. deferring taxes until retirement,</li> <li>The right way to buy your first home.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c643f1f2-bf14-4613-a4ef-5faec20fadc0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6172615304.mp3?updated=1655907424" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Get Started Investing in Real Estate?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04132022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How to sell your book independently,
 How to get started investing in real estate,
 Helping your parents sell their house,
 When is a good time to start a family?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 13 Apr 2022 19:19:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0c03c00-f22d-11ec-b8fd-93140b8980b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How to sell your book independently, How to get started investing in real estate, Helping your parents sell their house, When is a good time to start a family?  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How to sell your book independently,
 How to get started investing in real estate,
 Helping your parents sell their house,
 When is a good time to start a family?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How to sell your book independently,</li> <li>How to get started investing in real estate,</li> <li>Helping your parents sell their house,</li> <li>When is a good time to start a family?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5fd78f41-3f19-42c2-872b-73c3da50b657]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1225038619.mp3?updated=1655907424" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is the Shortest &amp; Surest Path to Paying Off Debt (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04122022-hour3</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Where to save money for a house,
 How to pay for college without taking out loans,
 The shortest and surest path to paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Apr 2022 21:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e1354554-f22d-11ec-b8fd-97f014dd0d17/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Where to save money for a house, How to pay for college without taking out loans, The shortest and surest path to paying off debt.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Where to save money for a house,
 How to pay for college without taking out loans,
 The shortest and surest path to paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Where to save money for a house,</li> <li>How to pay for college without taking out loans,</li> <li>The shortest and surest path to paying off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d28afe4c-6f25-4ad3-a050-02071a5a1a04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6740639522.mp3?updated=1655907425" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What's Your Mindset: Making Money or Taking Money?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04122022-hour2</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Making money as a moral act (with Rabbi Daniel Lapin),
 How to avoid student loans at all cost,
 How to pay a big tax bill.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Apr 2022 20:15:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e1ab311a-f22d-11ec-b8fd-bb3dc186da97/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Making money as a moral act (with Rabbi Daniel Lapin), How to avoid student loans at all cost, How to pay a big tax bill.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Making money as a moral act (with Rabbi Daniel Lapin),
 How to avoid student loans at all cost,
 How to pay a big tax bill.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Making money as a moral act (with Rabbi Daniel Lapin),</li> <li>How to avoid student loans at all cost,</li> <li>How to pay a big tax bill.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[43443ebf-a975-4d88-b3f2-22ea3a55af1a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4263328038.mp3?updated=1655907425" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Pause Retirement To Pay Cash for a House? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04122022-hour1</link>
      <description>Dave Ramsey &amp; Kristina Ellis discuss:
  Getting scholarships as an older student,
 Investing in retirement vs. paying cash for a house,
 Moving into a potentially risky financial situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 12 Apr 2022 19:19:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2122f14-f22d-11ec-b8fd-67a2a07ccb1d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Kristina Ellis discuss:  Getting scholarships as an older student, Investing in retirement vs. paying cash for a house, Moving into a potentially risky financial situation.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Kristina Ellis discuss:
  Getting scholarships as an older student,
 Investing in retirement vs. paying cash for a house,
 Moving into a potentially risky financial situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Kristina Ellis discuss:</p> <ul> <li>Getting scholarships as an older student,</li> <li>Investing in retirement vs. paying cash for a house,</li> <li>Moving into a potentially risky financial situation.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2420</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e3512888-2ac0-4541-b342-cbeb4eb3eea2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6092975976.mp3?updated=1655907426" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The False Stability of a “Real” Job </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04112022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  The stability of self-employment vs. a "real" job,
 Paying for job certifications,
 Deciding whether or not to buy a company,
 Should you pay off your kid's house?
 How to further your career.
  Support Our Sponsor:
  Newton Group: https://bit.ly/3BnPn1k 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Apr 2022 21:20:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e286ba1e-f22d-11ec-b8fd-47a34822b367/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  The stability of self-employment vs. a "real" job, Paying for job certifications, Deciding whether or not to buy a company, Should you pay off your kid's house? How to further your career.  Support Our Sponsor: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  The stability of self-employment vs. a "real" job,
 Paying for job certifications,
 Deciding whether or not to buy a company,
 Should you pay off your kid's house?
 How to further your career.
  Support Our Sponsor:
  Newton Group: https://bit.ly/3BnPn1k 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>The stability of self-employment vs. a "real" job,</li> <li>Paying for job certifications,</li> <li>Deciding whether or not to buy a company,</li> <li>Should you pay off your kid's house?</li> <li>How to further your career.</li> </ul> <p>Support Our Sponsor:</p> <ul> <li>Newton Group: <a href="https://bit.ly/3BnPn1k">https://bit.ly/3BnPn1k</a> </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[97408da1-3112-407e-a360-c69e4422b5b0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9685600736.mp3?updated=1655907426" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is a Terrible Way To Invest... and It’s Immoral </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04112022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  NBA Star Bismack Biyombo's outrageous generosity,
 The logic and morality of taking out student loans to invest the money,
 Buying an RV for a new job,
 Building a house vs. buying one,
 Quitting a job to start a business.
  Support Our Sponsor:
  DreamCloud: https://www.dreamcloudsleep.com/delony 
 NetSuite: https://bit.ly/2WBLh5c 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Apr 2022 20:15:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2e1c7ce-f22d-11ec-b8fd-8b483ba02c73/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  NBA Star Bismack Biyombo's outrageous generosity, The logic and morality of taking out student loans to invest the money, Buying an RV for a new job, Building a house vs. buying one, Quitting a job to start a...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  NBA Star Bismack Biyombo's outrageous generosity,
 The logic and morality of taking out student loans to invest the money,
 Buying an RV for a new job,
 Building a house vs. buying one,
 Quitting a job to start a business.
  Support Our Sponsor:
  DreamCloud: https://www.dreamcloudsleep.com/delony 
 NetSuite: https://bit.ly/2WBLh5c 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>NBA Star Bismack Biyombo's outrageous generosity,</li> <li>The logic and morality of taking out student loans to invest the money,</li> <li>Buying an RV for a new job,</li> <li>Building a house vs. buying one,</li> <li>Quitting a job to start a business.</li> </ul> <p>Support Our Sponsor:</p> <ul> <li>DreamCloud: <a href="https://www.dreamcloudsleep.com/delony">https://www.dreamcloudsleep.com/delony</a> </li> <li>NetSuite: <a href="https://bit.ly/2WBLh5c">https://bit.ly/2WBLh5c</a> </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fe877305-5b4f-42e0-9855-0ad008e106ea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3747578161.mp3?updated=1655907427" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Fix the Car or Sell It?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04112022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Does it always make sense to pay for car repairs?
 Leaving your job for a better paying job,
 The value of I-Bonds,
 Roth vs. Traditional retirement plans,
 Is now a good time to flip houses?
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Splash Financial: https://bit.ly/2XAdOIf 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 11 Apr 2022 19:19:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e34bd6fa-f22d-11ec-b8fd-57dcc7446a2d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Does it always make sense to pay for car repairs? Leaving your job for a better paying job, The value of I-Bonds, Roth vs. Traditional retirement plans, Is now a good time to flip houses?  Support Our Sponsor: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Does it always make sense to pay for car repairs?
 Leaving your job for a better paying job,
 The value of I-Bonds,
 Roth vs. Traditional retirement plans,
 Is now a good time to flip houses?
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Splash Financial: https://bit.ly/2XAdOIf 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Does it always make sense to pay for car repairs?</li> <li>Leaving your job for a better paying job,</li> <li>The value of I-Bonds,</li> <li>Roth vs. Traditional retirement plans,</li> <li>Is now a good time to flip houses?</li> </ul> <p>Support Our Sponsor:</p> <ul> <li>Zander Insurance: <a href="https://bit.ly/2Xbn7hD">https://bit.ly/2Xbn7hD</a> </li> <li>Splash Financial: <a href="https://bit.ly/2XAdOIf">https://bit.ly/2XAdOIf</a> </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[75be7384-657a-48cc-9e5d-0b61b536a936]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4346658613.mp3?updated=1655907427" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your “Dream Truck” Is Making Your Life a Nightmare</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04082022-hour3</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  Does it ever make sense to move into a trailer?
 Should you let your job pay off your student loan?
 Paying off a student loan with a 401(k) loan (don't do it),
 What to do when your debt seems overwhelming.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Apr 2022 21:15:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3a57a20-f22d-11ec-b8fd-2b87c22746a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  Does it ever make sense to move into a trailer? Should you let your job pay off your student loan? Paying off a student loan with a 401(k) loan (don't do it), What to do when your debt seems overwhelming. ...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  Does it ever make sense to move into a trailer?
 Should you let your job pay off your student loan?
 Paying off a student loan with a 401(k) loan (don't do it),
 What to do when your debt seems overwhelming.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>Does it ever make sense to move into a trailer?</li> <li>Should you let your job pay off your student loan?</li> <li>Paying off a student loan with a 401(k) loan (don't do it),</li> <li>What to do when your debt seems overwhelming.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f04f9cb9-5a44-4153-9d00-4e487de7af37]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1181572230.mp3?updated=1655907428" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Graduating With $482K in Debt</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04082022-hour2</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  How to tackle $482k in debt right after you graduate,
 How to know when you have too much house,
 Refinancing your student loan,
 Should you rent or buy?
 Engaging husbands in Financial Peace University,
 How to respectfully disagree with parents.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Apr 2022 20:15:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4177db4-f22d-11ec-b8fd-dbafa649ec42/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  How to tackle $482k in debt right after you graduate, How to know when you have too much house, Refinancing your student loan, Should you rent or buy? Engaging husbands in Financial Peace University, How to...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  How to tackle $482k in debt right after you graduate,
 How to know when you have too much house,
 Refinancing your student loan,
 Should you rent or buy?
 Engaging husbands in Financial Peace University,
 How to respectfully disagree with parents.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>How to tackle $482k in debt right after you graduate,</li> <li>How to know when you have too much house,</li> <li>Refinancing your student loan,</li> <li>Should you rent or buy?</li> <li>Engaging husbands in Financial Peace University,</li> <li>How to respectfully disagree with parents.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3db2ac18-2cc5-47a3-8b51-e645bbad98c0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2931385047.mp3?updated=1655907429" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Is the Worst Wedding Advice EVER</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04082022-hour1</link>
      <description>George Kamel &amp; Rachel Cruze discuss:
  When to discuss money when dating,
 How to really save for a wedding (instead of putting it on a freaking credit card),
 How to afford housing in this crazy market,
 What to do with the money from a home sale.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 08 Apr 2022 19:19:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e470fc7c-f22d-11ec-b8fd-4bfb3c38140e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Rachel Cruze discuss:  When to discuss money when dating, How to really save for a wedding (instead of putting it on a freaking credit card), How to afford housing in this crazy market, What to do with the money from a home sale. ...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Rachel Cruze discuss:
  When to discuss money when dating,
 How to really save for a wedding (instead of putting it on a freaking credit card),
 How to afford housing in this crazy market,
 What to do with the money from a home sale.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Rachel Cruze discuss:</p> <ul> <li>When to discuss money when dating,</li> <li>How to really save for a wedding (instead of putting it on a freaking credit card),</li> <li>How to afford housing in this crazy market,</li> <li>What to do with the money from a home sale.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dc964d87-b5f7-453d-b4e1-0256733349a3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8430236141.mp3?updated=1655907429" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Buy Now, Pay Later Companies Are Preying On the Poor </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04072022-hour3</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Dealing with a loved one's estate planning details,
 Going out of state for grad school,
 Selling the house to pay off debt,
 The latest predatory Buy Now, Pay Later schemes.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Apr 2022 21:16:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4d32e92-f22d-11ec-b8fd-538e3071c763/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Dealing with a loved one's estate planning details, Going out of state for grad school, Selling the house to pay off debt, The latest predatory Buy Now, Pay Later schemes.  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Dealing with a loved one's estate planning details,
 Going out of state for grad school,
 Selling the house to pay off debt,
 The latest predatory Buy Now, Pay Later schemes.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Dealing with a loved one's estate planning details,</li> <li>Going out of state for grad school,</li> <li>Selling the house to pay off debt,</li> <li>The latest predatory Buy Now, Pay Later schemes.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c2d51e0b-3669-4cf1-a565-110465235f57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8624926404.mp3?updated=1655907430" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Wife Feels Anxious About Draining Our Savings</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04072022-hour2</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Determining the next goal in your financial journey,
 What to do when your parents are pressuring you to build credit,
 Why the right kind of life insurance is essential (and not a scam).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Apr 2022 20:15:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e52cc89e-f22d-11ec-b8fd-8bbfbc585211/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Determining the next goal in your financial journey, What to do when your parents are pressuring you to build credit, Why the right kind of life insurance is essential (and not a scam).  Want a plan for...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Determining the next goal in your financial journey,
 What to do when your parents are pressuring you to build credit,
 Why the right kind of life insurance is essential (and not a scam).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Determining the next goal in your financial journey,</li> <li>What to do when your parents are pressuring you to build credit,</li> <li>Why the right kind of life insurance is essential (and not a scam).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[40fd2910-e341-4588-b161-f33a65fbbc32]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1915232829.mp3?updated=1655907430" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Now Go Into Debt for a Dog Wedding</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04072022-hour1</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Why you should never get a 30yr mortgage,
 Trying to support a husband who constantly procrastinates,
 Should you charge your adult son rent for living with you?
 Working for a company without a 401(k) match.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 07 Apr 2022 19:19:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e58538d0-f22d-11ec-b8fd-7fa84a1e52d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Why you should never get a 30yr mortgage, Trying to support a husband who constantly procrastinates, Should you charge your adult son rent for living with you? Working for a company without a 401(k) match. ...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Why you should never get a 30yr mortgage,
 Trying to support a husband who constantly procrastinates,
 Should you charge your adult son rent for living with you?
 Working for a company without a 401(k) match.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Why you should never get a 30yr mortgage,</li> <li>Trying to support a husband who constantly procrastinates,</li> <li>Should you charge your adult son rent for living with you?</li> <li>Working for a company without a 401(k) match.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4da2dc2b-104a-40e2-b62e-b253a3c55832]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9879889712.mp3?updated=1655907431" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here's How To Adjust Your Budget for Inflation</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04062022-hour3</link>
      <description>Ken Coleman &amp; Rachel Cruze discuss:
  How to adjust your budget for inflation,
 Thinking through a guardian for your kids,
 Feeling guilty for leaving your job for another,
 The financial effects of choosing to be a stay-at-home mom,
 What to do when both people in a marriage are the "spenders",
 Selling a classic car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Apr 2022 21:15:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5df4c4e-f22d-11ec-b8fd-ffc0d9f13de2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; Rachel Cruze discuss:  How to adjust your budget for inflation, Thinking through a guardian for your kids, Feeling guilty for leaving your job for another, The financial effects of choosing to be a stay-at-home mom, What to do when...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:
  How to adjust your budget for inflation,
 Thinking through a guardian for your kids,
 Feeling guilty for leaving your job for another,
 The financial effects of choosing to be a stay-at-home mom,
 What to do when both people in a marriage are the "spenders",
 Selling a classic car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p> <ul> <li>How to adjust your budget for inflation,</li> <li>Thinking through a guardian for your kids,</li> <li>Feeling guilty for leaving your job for another,</li> <li>The financial effects of choosing to be a stay-at-home mom,</li> <li>What to do when both people in a marriage are the "spenders",</li> <li>Selling a classic car.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7dad1394-72c0-44a1-827a-16055c8cc9b9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5787064715.mp3?updated=1655907431" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Can I Let My Foot Off the Gas &amp; Have Fun?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04062022-hour2</link>
      <description>Ken Coleman &amp; Rachel Cruze discuss:
  What will the best career fields be in the future?
 Using retirement to pay off your house,
 Marketing yourself in the job market,
 Buying a house now vs. investing,
 When you can relax Baby Step 6.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Apr 2022 20:15:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e639b652-f22d-11ec-b8fd-9b8b5ed05194/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; Rachel Cruze discuss:  What will the best career fields be in the future? Using retirement to pay off your house, Marketing yourself in the job market, Buying a house now vs. investing, When you can relax Baby Step 6.  Want a plan...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:
  What will the best career fields be in the future?
 Using retirement to pay off your house,
 Marketing yourself in the job market,
 Buying a house now vs. investing,
 When you can relax Baby Step 6.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p> <ul> <li>What will the best career fields be in the future?</li> <li>Using retirement to pay off your house,</li> <li>Marketing yourself in the job market,</li> <li>Buying a house now vs. investing,</li> <li>When you can relax Baby Step 6.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a35becb5-bc6a-4337-8c44-348a493b6a94]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2006075542.mp3?updated=1655907432" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What's the Point of Combining Bank Accounts?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04062022-hour1</link>
      <description>Ken Coleman &amp; Rachel Cruze discuss:
  The benefits of couples combining their finances,
 Being discouraged after depleting your emergency fund,
 Buying your first home,
 Pursuing a new career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 06 Apr 2022 19:19:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6a3c362-f22d-11ec-b8fd-8fed79e16702/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; Rachel Cruze discuss:  The benefits of couples combining their finances, Being discouraged after depleting your emergency fund, Buying your first home, Pursuing a new career.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; Rachel Cruze discuss:
  The benefits of couples combining their finances,
 Being discouraged after depleting your emergency fund,
 Buying your first home,
 Pursuing a new career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; Rachel Cruze discuss:</p> <ul> <li>The benefits of couples combining their finances,</li> <li>Being discouraged after depleting your emergency fund,</li> <li>Buying your first home,</li> <li>Pursuing a new career.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2403</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[029263d2-1049-408b-9db6-335ffade92a2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2391465587.mp3?updated=1655907433" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Made a Huge Mistake &amp; Financed a $54k Tesla!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04052022-hour3</link>
      <description>George Kamel discusses:
  Saving money on transportation during inflation, 
 Dealing with estate taxes,
 Dreaming and planning for the future of your family,
 Taking a pay cut for a dream job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Apr 2022 21:15:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7065b4e-f22d-11ec-b8fd-e7782d9cb42b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  Saving money on transportation during inflation,  Dealing with estate taxes, Dreaming and planning for the future of your family, Taking a pay cut for a dream job.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  Saving money on transportation during inflation, 
 Dealing with estate taxes,
 Dreaming and planning for the future of your family,
 Taking a pay cut for a dream job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>Saving money on transportation during inflation, </li> <li>Dealing with estate taxes,</li> <li>Dreaming and planning for the future of your family,</li> <li>Taking a pay cut for a dream job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a330e362-f8ef-450c-a9bd-276cc6d89e3b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8094400021.mp3?updated=1655907433" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why The Student Loan Extension Doesn't Help You</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04052022-hour2</link>
      <description>George Kamel discusses:
  Why you should keep paying down your student loans despite the pause extension announcement,
 How to handle debt in collections,
 Selling real estate,
 The mistake of trying to cashing out retirement to clean up financial mistakes.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Apr 2022 20:15:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e75e6884-f22d-11ec-b8fd-e364f868e5e2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  Why you should keep paying down your student loans despite the pause extension announcement, How to handle debt in collections, Selling real estate, The mistake of trying to cashing out retirement to clean up financial...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  Why you should keep paying down your student loans despite the pause extension announcement,
 How to handle debt in collections,
 Selling real estate,
 The mistake of trying to cashing out retirement to clean up financial mistakes.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>Why you should keep paying down your student loans despite the pause extension announcement,</li> <li>How to handle debt in collections,</li> <li>Selling real estate,</li> <li>The mistake of trying to cashing out retirement to clean up financial mistakes.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[293e58b0-0fc9-41d7-a93f-2c43ab5fe7b1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7754137208.mp3?updated=1655907433" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Budgeting Doesn't Have to Suck</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04052022-hour1</link>
      <description>George Kamel discusses:
  Why budgeting doesn't have to suck (if you do it right),
 Saving for college,
 The best way to get a mortgage,
 Paying down your student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 05 Apr 2022 19:19:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7c6aa0c-f22d-11ec-b8fd-bb0e3e2ed86b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  Why budgeting doesn't have to suck (if you do it right), Saving for college, The best way to get a mortgage, Paying down your student loans.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  Why budgeting doesn't have to suck (if you do it right),
 Saving for college,
 The best way to get a mortgage,
 Paying down your student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>Why budgeting doesn't have to suck (if you do it right),</li> <li>Saving for college,</li> <li>The best way to get a mortgage,</li> <li>Paying down your student loans.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[073f349e-0c6b-4d49-83f8-6295c1ed427e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5141524581.mp3?updated=1655907434" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Real Talk About Money Shouldn’t Be Taboo</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04042022-hour3</link>
      <description>Rachel Cruze &amp; John Delony discuss:
  How much to spend on a wedding,
 Americans' avoidance of talking about money,
 Getting out of debt as quickly as possible,
 Dealing with a loved one passing without a will,
 Getting out of an upside down car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 04 Apr 2022 21:15:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e81ec606-f22d-11ec-b8fd-c75a6a23f8b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; John Delony discuss:  How much to spend on a wedding, Americans' avoidance of talking about money, Getting out of debt as quickly as possible, Dealing with a loved one passing without a will, Getting out of an upside down car.  Want...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:
  How much to spend on a wedding,
 Americans' avoidance of talking about money,
 Getting out of debt as quickly as possible,
 Dealing with a loved one passing without a will,
 Getting out of an upside down car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p> <ul> <li>How much to spend on a wedding,</li> <li>Americans' avoidance of talking about money,</li> <li>Getting out of debt as quickly as possible,</li> <li>Dealing with a loved one passing without a will,</li> <li>Getting out of an upside down car.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7963c99-10db-46fe-b22e-3cfe2e925257]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2966836194.mp3?updated=1655907434" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell My Car To Pay Off Debt?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04042022-hour2</link>
      <description>Rachel Cruze &amp; John Delony discuss:
  Paying for kids' college,
 Paying off your car or selling it,
 The absurdity of "digital fashion,"
 Handling a 401(k) from a previous job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 04 Apr 2022 20:14:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e878fe46-f22d-11ec-b8fd-7be6850791d4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; John Delony discuss:  Paying for kids' college, Paying off your car or selling it, The absurdity of "digital fashion," Handling a 401(k) from a previous job.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:
  Paying for kids' college,
 Paying off your car or selling it,
 The absurdity of "digital fashion,"
 Handling a 401(k) from a previous job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p> <ul> <li>Paying for kids' college,</li> <li>Paying off your car or selling it,</li> <li>The absurdity of "digital fashion,"</li> <li>Handling a 401(k) from a previous job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[455fbb30-bd65-4a64-aab9-5f27f3ad289a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3582670575.mp3?updated=1655907435" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>All About Money and Relationships</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04042022-hour1</link>
      <description>Rachel Cruze &amp; John Delony discuss:
  Studies that show couples who combine finances are happier,
 The challenge of talking to your parents about money,
 Paying back money borrowed from family,
 Should you buy a pool?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 04 Apr 2022 19:19:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8d5f6e6-f22d-11ec-b8fd-6fe9fb4f1b69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; John Delony discuss:  Studies that show couples who combine finances are happier, The challenge of talking to your parents about money, Paying back money borrowed from family, Should you buy a pool?  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>Rachel Cruze &amp; John Delony discuss:
  Studies that show couples who combine finances are happier,
 The challenge of talking to your parents about money,
 Paying back money borrowed from family,
 Should you buy a pool?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze &amp; John Delony discuss:</p> <ul> <li>Studies that show couples who combine finances are happier,</li> <li>The challenge of talking to your parents about money,</li> <li>Paying back money borrowed from family,</li> <li>Should you buy a pool?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[97ea6f5d-8216-4ac3-b0d0-ecdcb05150dd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5348697107.mp3?updated=1655907435" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Can't Afford Something, Don't Buy It!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04012022-hour3</link>
      <description>Dr. John Delony &amp; George Kamel discuss:
  Quitting your job to start your own business,
 When it makes sense to re-finance,
 Should you buy a property if you can't afford it?
 What to do with a multi-million dollar settlement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 01 Apr 2022 21:19:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea57a082-f22d-11ec-b8fd-976f03e6357c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony &amp; George Kamel discuss:  Quitting your job to start your own business, When it makes sense to re-finance, Should you buy a property if you can't afford it? What to do with a multi-million dollar settlement.  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:
  Quitting your job to start your own business,
 When it makes sense to re-finance,
 Should you buy a property if you can't afford it?
 What to do with a multi-million dollar settlement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p> <ul> <li>Quitting your job to start your own business,</li> <li>When it makes sense to re-finance,</li> <li>Should you buy a property if you can't afford it?</li> <li>What to do with a multi-million dollar settlement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[75b3d007-72c0-4123-8584-49aa7cde13be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8263014312.mp3?updated=1655907436" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How You Can Set Yourself Up To Build Wealth</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-04012022-hour2</link>
      <description>Dr. John Delony &amp; George Kamel discuss:
  Preparing for life after college,
 Why you don't need to build your credit score,
 Getting your career on track,
 Helping aging parents.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 01 Apr 2022 20:19:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecbd4fca-f22d-11ec-b8fd-43fa45fc64b1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony &amp; George Kamel discuss:  Preparing for life after college, Why you don't need to build your credit score, Getting your career on track, Helping aging parents.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:
  Preparing for life after college,
 Why you don't need to build your credit score,
 Getting your career on track,
 Helping aging parents.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p> <ul> <li>Preparing for life after college,</li> <li>Why you don't need to build your credit score,</li> <li>Getting your career on track,</li> <li>Helping aging parents.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[99bc1a5d-1b9b-4a22-b109-999de106b974]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7240703559.mp3?updated=1655907437" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Save Money on Housing During Inflation</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03312022-hour3</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Saving money on housing during inflation.
 Cashing out a whole life policy,
 Baby-stepping your way out of extreme poverty,
 How you can become a stay-at-home mom,
 The fallacy of pretending that student loans are the only option,
 The struggle of working with people half your age.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Thu, 31 Mar 2022 21:30:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed235cca-f22d-11ec-b8fd-8bf9fd9f810f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Saving money on housing during inflation. Cashing out a whole life policy, Baby-stepping your way out of extreme poverty, How you can become a stay-at-home mom, The fallacy of pretending that student loans are...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Saving money on housing during inflation.
 Cashing out a whole life policy,
 Baby-stepping your way out of extreme poverty,
 How you can become a stay-at-home mom,
 The fallacy of pretending that student loans are the only option,
 The struggle of working with people half your age.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Saving money on housing during inflation.</li> <li>Cashing out a whole life policy,</li> <li>Baby-stepping your way out of extreme poverty,</li> <li>How you can become a stay-at-home mom,</li> <li>The fallacy of pretending that student loans are the only option,</li> <li>The struggle of working with people half your age.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a382981c-8ee7-405b-98be-52f91177848a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7991991824.mp3?updated=1655907437" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>8 High-Paying Jobs That Don't Require a Degree</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03312022-hour2</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  How much to spend on a car,
 Dealing with a toxic work environment,
 How to get a house without a credit card,
 Changing careers during the baby steps,
 How to use an inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 31 Mar 2022 20:19:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed845fac-f22d-11ec-b8fd-1f054935a8f1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  How much to spend on a car, Dealing with a toxic work environment, How to get a house without a credit card, Changing careers during the baby steps, How to use an inheritance.  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  How much to spend on a car,
 Dealing with a toxic work environment,
 How to get a house without a credit card,
 Changing careers during the baby steps,
 How to use an inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>How much to spend on a car,</li> <li>Dealing with a toxic work environment,</li> <li>How to get a house without a credit card,</li> <li>Changing careers during the baby steps,</li> <li>How to use an inheritance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6fa9a594-0f6a-48e1-9dad-6c9ee7718403]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2109584386.mp3?updated=1655907438" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Trade a Life-Giving Job for Soul-Sucking Debt</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03312022-hour1</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Pursuing a career you love at the cost of soul-sucking debt,
 Where we can agree with Graham Stephan on building wealth,
 Deciding between two jobs,
 What happens when you take out a business loan and then the business fails.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 31 Mar 2022 19:18:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eddd9108-f22d-11ec-b8fd-23696c9ce11b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Pursuing a career you love at the cost of soul-sucking debt, Where we can agree with Graham Stephan on building wealth, Deciding between two jobs, What happens when you take out a business loan and then the...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Pursuing a career you love at the cost of soul-sucking debt,
 Where we can agree with Graham Stephan on building wealth,
 Deciding between two jobs,
 What happens when you take out a business loan and then the business fails.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Pursuing a career you love at the cost of soul-sucking debt,</li> <li>Where we can agree with Graham Stephan on building wealth,</li> <li>Deciding between two jobs,</li> <li>What happens when you take out a business loan and then the business fails.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0555b6ff-623d-4a62-b92c-f9d49ace5b96]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7405352789.mp3?updated=1655907438" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Might've Made a Million Dollar Mistake</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03302022-hour3</link>
      <description>John Delony &amp; Ken Coleman discuss:
  Buying a house during a divorce,
 When your parents give you an ultimatum,
 Dealing with losing your income,
 Regretting a home purchase,
 Taking a risk for your dream job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 30 Mar 2022 21:19:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee3fc666-f22d-11ec-b8fd-ab54f79d86d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; Ken Coleman discuss:  Buying a house during a divorce, When your parents give you an ultimatum, Dealing with losing your income, Regretting a home purchase, Taking a risk for your dream job.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>John Delony &amp; Ken Coleman discuss:
  Buying a house during a divorce,
 When your parents give you an ultimatum,
 Dealing with losing your income,
 Regretting a home purchase,
 Taking a risk for your dream job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Ken Coleman discuss:</p> <ul> <li>Buying a house during a divorce,</li> <li>When your parents give you an ultimatum,</li> <li>Dealing with losing your income,</li> <li>Regretting a home purchase,</li> <li>Taking a risk for your dream job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0aa10045-849f-4637-ad01-882a58427c01]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6015065654.mp3?updated=1655907439" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Hid $200K in Debt!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03302022-hour2</link>
      <description>John Delony &amp; Ken Coleman discuss:
  A husband that hid $200k from his wife,
 A great job opportunity...that means moving to Alaska,
 Moving to be near family,
 Taking out student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 30 Mar 2022 20:19:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee9b0aa8-f22d-11ec-b8fd-938eace71cc7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; Ken Coleman discuss:  A husband that hid $200k from his wife, A great job opportunity...that means moving to Alaska, Moving to be near family, Taking out student loans.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>John Delony &amp; Ken Coleman discuss:
  A husband that hid $200k from his wife,
 A great job opportunity...that means moving to Alaska,
 Moving to be near family,
 Taking out student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Ken Coleman discuss:</p> <ul> <li>A husband that hid $200k from his wife,</li> <li>A great job opportunity...that means moving to Alaska,</li> <li>Moving to be near family,</li> <li>Taking out student loans.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9a7e9b1a-4cdf-427a-99f4-082806e391fb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4332758519.mp3?updated=1655907439" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do the Hard Work for a Short Season</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03302022-hour1</link>
      <description>John Delony &amp; Ken Coleman discuss:
  Moving while in debt,
 How to handle a large commission check,
 Starting student loan payments after graduating,
 Finding work you love,
 Staying motivated when the journey feels long.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 30 Mar 2022 19:18:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eef2fbc8-f22d-11ec-b8fd-23355841c6dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>John Delony &amp; Ken Coleman discuss:  Moving while in debt, How to handle a large commission check, Starting student loan payments after graduating, Finding work you love, Staying motivated when the journey feels long.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>John Delony &amp; Ken Coleman discuss:
  Moving while in debt,
 How to handle a large commission check,
 Starting student loan payments after graduating,
 Finding work you love,
 Staying motivated when the journey feels long.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>John Delony &amp; Ken Coleman discuss:</p> <ul> <li>Moving while in debt,</li> <li>How to handle a large commission check,</li> <li>Starting student loan payments after graduating,</li> <li>Finding work you love,</li> <li>Staying motivated when the journey feels long.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3e8ebea2-c443-4487-a748-5168fc5866fe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6580539981.mp3?updated=1655907440" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When You're Stressed, Get Busy!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03292022-hour3</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Where to park savings,
 Paying for a Masters degree,
 Fixing a car vs. buying a new one,
 Dealing with stress in baby steps 4, 5, &amp; 6.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 29 Mar 2022 21:19:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef866a20-f22d-11ec-b8fd-33a2540ad5c6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Where to park savings, Paying for a Masters degree, Fixing a car vs. buying a new one, Dealing with stress in baby steps 4, 5, &amp; 6.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Where to park savings,
 Paying for a Masters degree,
 Fixing a car vs. buying a new one,
 Dealing with stress in baby steps 4, 5, &amp; 6.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Where to park savings,</li> <li>Paying for a Masters degree,</li> <li>Fixing a car vs. buying a new one,</li> <li>Dealing with stress in baby steps 4, 5, &amp; 6.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[62bea03e-b1b6-4e2b-a2ad-ba91c7877f04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2584392797.mp3?updated=1655907440" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Rob From Your Future To Make Today Easier</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03292022-hour2</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Feeling defeated in your career,
 How much to put in your HSA,
 Saving up for a house,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 29 Mar 2022 20:19:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/efecd08a-f22d-11ec-b8fd-cb07af1fcd32/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Feeling defeated in your career, How much to put in your HSA, Saving up for a house,  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Feeling defeated in your career,
 How much to put in your HSA,
 Saving up for a house,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Feeling defeated in your career,</li> <li>How much to put in your HSA,</li> <li>Saving up for a house,</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[27a48457-bdbc-4521-9be9-8a58c8f707a9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1107175819.mp3?updated=1655907441" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Guys Are Broke, You've Gotta Get to Work!</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03292022-hour1</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Why you need to get to work when you're broke,
 Saving on utilities during inflation,
 The mistake of talking yourself into debt,
 Having longevity in your career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 29 Mar 2022 19:18:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0434e9c-f22d-11ec-b8fd-135428752305/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Why you need to get to work when you're broke, Saving on utilities during inflation, The mistake of talking yourself into debt, Having longevity in your career.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Why you need to get to work when you're broke,
 Saving on utilities during inflation,
 The mistake of talking yourself into debt,
 Having longevity in your career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Why you need to get to work when you're broke,</li> <li>Saving on utilities during inflation,</li> <li>The mistake of talking yourself into debt,</li> <li>Having longevity in your career.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7c7bed83-94da-4901-b5e1-e58f9429dfca]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7711801573.mp3?updated=1655907441" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Boss Doesn’t Want Me Working 2 Jobs </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03282022-hour3</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Preparing to go back to school,
 Paying for business expenses,
 Should you sell the house and move?
 Working multiple jobs.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 28 Mar 2022 21:20:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f09e8ee2-f22d-11ec-b8fd-bbb4b367f9f2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Preparing to go back to school, Paying for business expenses, Should you sell the house and move? Working multiple jobs.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Preparing to go back to school,
 Paying for business expenses,
 Should you sell the house and move?
 Working multiple jobs.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Preparing to go back to school,</li> <li>Paying for business expenses,</li> <li>Should you sell the house and move?</li> <li>Working multiple jobs.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cac45f47-00cf-495a-b670-fb5b8aafad6c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7160935440.mp3?updated=1655907442" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sell My $18K Shoe Collection to Pay Off Debt?</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03282022-hour2</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  Selling an $18k shoe collection to pay off debt,
 What to do when your boss doesn't like you,
 Refinancing a Parent PLUS loan,
 Reinvesting business profits.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 28 Mar 2022 20:19:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0f7d6aa-f22d-11ec-b8fd-438a4462267a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  Selling an $18k shoe collection to pay off debt, What to do when your boss doesn't like you, Refinancing a Parent PLUS loan, Reinvesting business profits.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  Selling an $18k shoe collection to pay off debt,
 What to do when your boss doesn't like you,
 Refinancing a Parent PLUS loan,
 Reinvesting business profits.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>Selling an $18k shoe collection to pay off debt,</li> <li>What to do when your boss doesn't like you,</li> <li>Refinancing a Parent PLUS loan,</li> <li>Reinvesting business profits.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d6244197-3cf2-406e-9ad5-a2f4be5243b3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4396749273.mp3?updated=1655907442" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Combat Inflation at the Grocery Store</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03282022-hour1</link>
      <description>Ken Coleman &amp; George Kamel discuss:
  How to save on food during inflation,
 Financial infidelity and buyer's remorse,
 Does it make sense to pay off the house?
 The best way to save for college,
 Dealing with burnout in your career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 28 Mar 2022 19:18:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f17e32b8-f22d-11ec-b8fd-5f8f2b91980f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel discuss:  How to save on food during inflation, Financial infidelity and buyer's remorse, Does it make sense to pay off the house? The best way to save for college, Dealing with burnout in your career.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Ken Coleman &amp; George Kamel discuss:
  How to save on food during inflation,
 Financial infidelity and buyer's remorse,
 Does it make sense to pay off the house?
 The best way to save for college,
 Dealing with burnout in your career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman &amp; George Kamel discuss:</p> <ul> <li>How to save on food during inflation,</li> <li>Financial infidelity and buyer's remorse,</li> <li>Does it make sense to pay off the house?</li> <li>The best way to save for college,</li> <li>Dealing with burnout in your career.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ef769a5b-cf75-44bf-9b1a-107966177b81]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9893074911.mp3?updated=1655907443" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Buy a Car in This Crazy Market? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03252022-hour3</link>
      <description>George Kamel discusses:
  A wedding with a $500k budget! (no that's not a typo),
 Buying a car now or waiting till the market cools down,
 Renovating a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Mar 2022 21:19:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1de7100-f22d-11ec-b8fd-bf1223fde9e4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  A wedding with a $500k budget! (no that's not a typo), Buying a car now or waiting till the market cools down, Renovating a house.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  A wedding with a $500k budget! (no that's not a typo),
 Buying a car now or waiting till the market cools down,
 Renovating a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>A wedding with a $500k budget! (no that's not a typo),</li> <li>Buying a car now or waiting till the market cools down,</li> <li>Renovating a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd74fea1-5cdf-4830-8a28-c338253ae26c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2586154839.mp3?updated=1655907444" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>NEVER Finance a Tank of Gas! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03252022-hour2</link>
      <description>George Kamel discusses:
  High gas prices and why buy now, pay later companies are swooping in and trying to screw you at the pump,
 Dealing with $180k in student loans,
 What to do with unexpected money,
 How much to contribute to an HSA.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Mar 2022 20:19:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2469a46-f22d-11ec-b8fd-9f71471d6ea0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  High gas prices and why buy now, pay later companies are swooping in and trying to screw you at the pump, Dealing with $180k in student loans, What to do with unexpected money, How much to contribute to an HSA.  Want a plan...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  High gas prices and why buy now, pay later companies are swooping in and trying to screw you at the pump,
 Dealing with $180k in student loans,
 What to do with unexpected money,
 How much to contribute to an HSA.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>High gas prices and why buy now, pay later companies are swooping in and trying to screw you at the pump,</li> <li>Dealing with $180k in student loans,</li> <li>What to do with unexpected money,</li> <li>How much to contribute to an HSA.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1e58aabd-5a1b-46d8-bd0b-9545df233567]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5537668194.mp3?updated=1655907444" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why TikTok Financial Influencers Are Lying to You (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03252022-hour1</link>
      <description>George Kamel discusses:
  Is it ok to rent from your parents?
 Why you should probably sell the motorcycle to pay for the wedding,
 So-called TikTok "Financial Gurus" and their obsession with credit scores,
 Should you put money in your 401(k) even without a match?
 Dealing with student loans in collections.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Mar 2022 19:18:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2a0d1c8-f22d-11ec-b8fd-9751f85e6dc9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel discusses:  Is it ok to rent from your parents? Why you should probably sell the motorcycle to pay for the wedding, So-called TikTok "Financial Gurus" and their obsession with credit scores, Should you put money in your 401(k) even...</itunes:subtitle>
      <itunes:summary>George Kamel discusses:
  Is it ok to rent from your parents?
 Why you should probably sell the motorcycle to pay for the wedding,
 So-called TikTok "Financial Gurus" and their obsession with credit scores,
 Should you put money in your 401(k) even without a match?
 Dealing with student loans in collections.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel discusses:</p> <ul> <li>Is it ok to rent from your parents?</li> <li>Why you should probably sell the motorcycle to pay for the wedding,</li> <li>So-called TikTok "Financial Gurus" and their obsession with credit scores,</li> <li>Should you put money in your 401(k) even without a match?</li> <li>Dealing with student loans in collections.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[73bd6632-1f3f-4d6c-8875-94481770eaf3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9695243002.mp3?updated=1655907444" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don’t Have to Be a Victim! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03242022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Handling a car lease,
 Cash-flowing an MBA,
 Overcoming extreme adversity to pay off debt,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 24 Mar 2022 21:19:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3027d42-f22d-11ec-b8fd-c30dab471cad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Handling a car lease, Cash-flowing an MBA, Overcoming extreme adversity to pay off debt,  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Handling a car lease,
 Cash-flowing an MBA,
 Overcoming extreme adversity to pay off debt,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Handling a car lease,</li> <li>Cash-flowing an MBA,</li> <li>Overcoming extreme adversity to pay off debt,</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[23918461-2df6-4ef5-a106-530fa6471091]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8375019627.mp3?updated=1655907445" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Ramsey Show Reacts to Stupid Reality TV Money Advice (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03242022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  The YOLO, get-rich-quick mindset of a Love Is Blind episode,
 Using social security to pay off debt,
 What to do when you disagree with your spouse about money,
 Fear of using savings to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 24 Mar 2022 20:19:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f359fb26-f22d-11ec-b8fd-77336513fb6b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  The YOLO, get-rich-quick mindset of a Love Is Blind episode, Using social security to pay off debt, What to do when you disagree with your spouse about money, Fear of using savings to pay off debt.  Want a plan...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  The YOLO, get-rich-quick mindset of a Love Is Blind episode,
 Using social security to pay off debt,
 What to do when you disagree with your spouse about money,
 Fear of using savings to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>The YOLO, get-rich-quick mindset of a <em>Love Is Blind</em> episode,</li> <li>Using social security to pay off debt,</li> <li>What to do when you disagree with your spouse about money,</li> <li>Fear of using savings to pay off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[444e3ef7-9a12-4604-9fec-52ddd907fa19]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7633495862.mp3?updated=1655907446" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Your Tax Refund Is NOT Free Money! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03242022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  How to think about taxes and tax refunds,
 How to stay goal-oriented in baby step 7,
 What to do when facing an uncertain career situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 24 Mar 2022 19:19:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3b34a14-f22d-11ec-b8fd-9708cabf807d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  How to think about taxes and tax refunds, How to stay goal-oriented in baby step 7, What to do when facing an uncertain career situation.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  How to think about taxes and tax refunds,
 How to stay goal-oriented in baby step 7,
 What to do when facing an uncertain career situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>How to think about taxes and tax refunds,</li> <li>How to stay goal-oriented in baby step 7,</li> <li>What to do when facing an uncertain career situation.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[00e4a70e-911e-4d8d-994c-d3f3ad564e4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5983994336.mp3?updated=1655907446" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>ANYONE Can Become a Millionaire... Here's How (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03232022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How anyone can become a millionaire by following the baby steps.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 23 Mar 2022 21:19:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f40bb226-f22d-11ec-b8fd-9b3856b998b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How anyone can become a millionaire by following the baby steps.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How anyone can become a millionaire by following the baby steps.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How anyone can become a millionaire by following the baby steps.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a4595c42-dbba-477a-9052-fbbb4492aa04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8446471700.mp3?updated=1655907447" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Will Buying Gold Protect Against Inflation? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03232022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Why you shouldn't invest in gold even when the world goes crazy,
 When it makes sense to file bankruptcy (almost never),
 Scott Harrison's charity:water organization and how they are redefining charities.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 23 Mar 2022 20:19:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4627c1e-f22d-11ec-b8fd-13c2bb7532cf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Why you shouldn't invest in gold even when the world goes crazy, When it makes sense to file bankruptcy (almost never), Scott Harrison's charity:water organization and how they are redefining charities.  Want a...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Why you shouldn't invest in gold even when the world goes crazy,
 When it makes sense to file bankruptcy (almost never),
 Scott Harrison's charity:water organization and how they are redefining charities.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Why you shouldn't invest in gold even when the world goes crazy,</li> <li>When it makes sense to file bankruptcy (almost never),</li> <li>Scott Harrison's charity:water organization and how they are redefining charities.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08892786-5535-4786-afc4-5a98ba29975a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6424444961.mp3?updated=1655907447" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Buy Before Interest Rates Go Up? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03232022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Investing vs. saving for a house,
 The strange generosity of paying off your ex-husband's house,
 Should you build a house now before interest rates go up?
 How long you need long term care insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 23 Mar 2022 19:18:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4be2d7a-f22d-11ec-b8fd-db239ff8ca67/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Investing vs. saving for a house, The strange generosity of paying off your ex-husband's house, Should you build a house now before interest rates go up? How long you need long term care insurance.  Want a plan...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Investing vs. saving for a house,
 The strange generosity of paying off your ex-husband's house,
 Should you build a house now before interest rates go up?
 How long you need long term care insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Investing vs. saving for a house,</li> <li>The strange generosity of paying off your ex-husband's house,</li> <li>Should you build a house now before interest rates go up?</li> <li>How long you need long term care insurance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0af1b034-c7d4-444d-848f-091999c19731]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1775322344.mp3?updated=1655907448" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Is It Time to Upgrade My Car? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03222022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  When it's time to upgrade the car,
 Avoiding a future toxic marraige,
 Making large business purchases with a debit card,
 How to get out of a car lease.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 22 Mar 2022 21:19:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f53dcbd4-f22d-11ec-b8fd-f3142b649186/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  When it's time to upgrade the car, Avoiding a future toxic marraige, Making large business purchases with a debit card, How to get out of a car lease.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  When it's time to upgrade the car,
 Avoiding a future toxic marraige,
 Making large business purchases with a debit card,
 How to get out of a car lease.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>When it's time to upgrade the car,</li> <li>Avoiding a future toxic marraige,</li> <li>Making large business purchases with a debit card,</li> <li>How to get out of a car lease.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[85c511fd-b288-4a5f-b18f-64f9a2917537]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4950497096.mp3?updated=1655907448" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“I Drove a Mercedes but Had No Money…” (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03222022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Dealing with scumbag collectors,
 Growing an underperforming business,
 Being know for your character instead of your cars,
 Dealing with a messy estate.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 22 Mar 2022 20:19:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5a3240c-f22d-11ec-b8fd-9791a46c8614/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Dealing with scumbag collectors, Growing an underperforming business, Being know for your character instead of your cars, Dealing with a messy estate.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Dealing with scumbag collectors,
 Growing an underperforming business,
 Being know for your character instead of your cars,
 Dealing with a messy estate.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Dealing with scumbag collectors,</li> <li>Growing an underperforming business,</li> <li>Being know for your character instead of your cars,</li> <li>Dealing with a messy estate.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7cbe61e-09a8-419b-b51c-c2fb1bf06c52]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8889410793.mp3?updated=1655907449" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Ever a Good Idea to Just Keep Renting? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03222022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Paying off the car in the debt snowball,
 The pain of going through a messy divorce,
 Is it ever a good idea to keep renting?
 Hoarding cash vs. paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 22 Mar 2022 19:18:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5ffa48e-f22d-11ec-b8fd-631cd4a8d898/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Paying off the car in the debt snowball, The pain of going through a messy divorce, Is it ever a good idea to keep renting? Hoarding cash vs. paying off debt.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Paying off the car in the debt snowball,
 The pain of going through a messy divorce,
 Is it ever a good idea to keep renting?
 Hoarding cash vs. paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Paying off the car in the debt snowball,</li> <li>The pain of going through a messy divorce,</li> <li>Is it ever a good idea to keep renting?</li> <li>Hoarding cash vs. paying off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[64501526-483c-4239-93e6-d694a3bb2ab5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9907713676.mp3?updated=1655907449" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Your Bank Is Completely Incompetent! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03212022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Digging your way out of a deep hole of debt,
 What to do when your stupid bank can't find the car title,
 How to deal with bad finance professors,
 When to pause retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 21 Mar 2022 21:19:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f65775d8-f22d-11ec-b8fd-6730d1b80847/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Digging your way out of a deep hole of debt, What to do when your stupid bank can't find the car title, How to deal with bad finance professors, When to pause retirement.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Digging your way out of a deep hole of debt,
 What to do when your stupid bank can't find the car title,
 How to deal with bad finance professors,
 When to pause retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Digging your way out of a deep hole of debt,</li> <li>What to do when your stupid bank can't find the car title,</li> <li>How to deal with bad finance professors,</li> <li>When to pause retirement.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc8dbb68-3c9f-4cb3-86f1-6dd6880d1406]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4985152899.mp3?updated=1655907450" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Repair the House or Buy a New One? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03212022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Should you sell the house?
 How to have awkward conversations about compensation,
 Don't rationalize your way into debt,
 Repairing a house vs. buying a new one.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 21 Mar 2022 20:19:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6adaee4-f22d-11ec-b8fd-d31888f377c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Should you sell the house? How to have awkward conversations about compensation, Don't rationalize your way into debt, Repairing a house vs. buying a new one.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Should you sell the house?
 How to have awkward conversations about compensation,
 Don't rationalize your way into debt,
 Repairing a house vs. buying a new one.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Should you sell the house?</li> <li>How to have awkward conversations about compensation,</li> <li>Don't rationalize your way into debt,</li> <li>Repairing a house vs. buying a new one.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e87b9113-133d-41c2-9a9f-1332530f5277]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1049386137.mp3?updated=1655907450" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave’s Nothing Down Real Estate Horror Story (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03212022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Insurance is insurance, not an investment,
 Nothing down real estate and Dave's personal experience with it,
 College vs. code school.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 21 Mar 2022 19:18:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f703a4fc-f22d-11ec-b8fd-87ac5b2edc85/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Insurance is insurance, not an investment, Nothing down real estate and Dave's personal experience with it, College vs. code school.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Insurance is insurance, not an investment,
 Nothing down real estate and Dave's personal experience with it,
 College vs. code school.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Insurance is insurance, not an investment,</li> <li>Nothing down real estate and Dave's personal experience with it,</li> <li>College vs. code school.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4bfe10e7-4a41-4cac-a44c-531bb519a5ca]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2068253035.mp3?updated=1655907451" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are You Willing To Lose Your Job Over The Vaccine? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03182022-hour3</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  How to handle a workplace vaccine requirement,
 Avoiding resentment,
 What to do with the house after a divorce,
 Quit waiting on the government to forgive your loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 18 Mar 2022 21:19:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f75cc8d4-f22d-11ec-b8fd-572d08e8742a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  How to handle a workplace vaccine requirement, Avoiding resentment, What to do with the house after a divorce, Quit waiting on the government to forgive your loans.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  How to handle a workplace vaccine requirement,
 Avoiding resentment,
 What to do with the house after a divorce,
 Quit waiting on the government to forgive your loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>How to handle a workplace vaccine requirement,</li> <li>Avoiding resentment,</li> <li>What to do with the house after a divorce,</li> <li>Quit waiting on the government to forgive your loans.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[446b5270-a758-48c1-9f6a-db85e2e5ef6c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9035383581.mp3?updated=1655910937" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>FOMO Crypto Investing Is a Terrible Idea (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03182022-hour1</link>
      <description>George Kamel &amp; Dr. John Delony discuss: • Why FOMO investing sets you up to fail, • How to help a relative who is a hoarder, • Dealing with higher rent prices.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Fri, 18 Mar 2022 19:16:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7b2f8ee-f22d-11ec-b8fd-3f774cf64cbe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss: • Why FOMO investing sets you up to fail, • How to help a relative who is a hoarder, • Dealing with higher rent prices. Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss: • Why FOMO investing sets you up to fail, • How to help a relative who is a hoarder, • Dealing with higher rent prices.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:<br> • Why FOMO investing sets you up to fail,<br> • How to help a relative who is a hoarder,<br> • Dealing with higher rent prices.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[358335e6-a085-4261-99d0-67ec32a2da3e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6775792105.mp3?updated=1655907452" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Buying a Car? Here’s What You Need To Know (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03182022-hour2</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  What it's like to buy a car in 2022,
 Supporting children that have different educational needs,
 Getting started in investing,
 Paying off a car when you're upside down on it.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 18 Mar 2022 17:57:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f86ddc2c-f22d-11ec-b8fd-93c77685a24d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  What it's like to buy a car in 2022, Supporting children that have different educational needs, Getting started in investing, Paying off a car when you're upside down on it.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  What it's like to buy a car in 2022,
 Supporting children that have different educational needs,
 Getting started in investing,
 Paying off a car when you're upside down on it.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>What it's like to buy a car in 2022,</li> <li>Supporting children that have different educational needs,</li> <li>Getting started in investing,</li> <li>Paying off a car when you're upside down on it.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bedfaeba-ecfb-4d65-aaa5-57d3374caa4d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6863963480.mp3?updated=1655907452" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Buy Now, Pay Later at the Gas Pump (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03172022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Buy Now, Pay Later comes to gas stations,
 The reality of financial abuse,
 Grieving and coping financially after a spouse's death,
 Owning your past, and changing your future.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 17 Mar 2022 21:15:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f8c991f2-f22d-11ec-b8fd-13b291f1b266/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Buy Now, Pay Later comes to gas stations, The reality of financial abuse, Grieving and coping financially after a spouse's death, Owning your past, and changing your future.  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Buy Now, Pay Later comes to gas stations,
 The reality of financial abuse,
 Grieving and coping financially after a spouse's death,
 Owning your past, and changing your future.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Buy Now, Pay Later comes to gas stations,</li> <li>The reality of financial abuse,</li> <li>Grieving and coping financially after a spouse's death,</li> <li>Owning your past, and changing your future.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1aa58359-c941-4498-bcfe-39864973b04e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8303960679.mp3?updated=1655907453" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Sister Keeps Asking To Borrow Money (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03172022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Dave's crazy ancestors and his love for Downton Abbey,
 How to handle a relative who's asking to borrow money,
 The foolishness of waiting on the government to forgive student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 17 Mar 2022 20:15:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f923cab4-f22d-11ec-b8fd-277e4ffb000b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Dave's crazy ancestors and his love for Downton Abbey, How to handle a relative who's asking to borrow money, The foolishness of waiting on the government to forgive student loans.  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Dave's crazy ancestors and his love for Downton Abbey,
 How to handle a relative who's asking to borrow money,
 The foolishness of waiting on the government to forgive student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Dave's crazy ancestors and his love for Downton Abbey,</li> <li>How to handle a relative who's asking to borrow money,</li> <li>The foolishness of waiting on the government to forgive student loans.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[97477017-a711-4e97-9260-5b9ef6976330]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3258803659.mp3?updated=1655907453" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can We Stay Motivated on the Baby Steps? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03172022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Trying to convince others to be smart with their money,
 Staying motivated on the baby steps,
 What to do with a large monetary gift,
 Paying off your house vs. leaving money in the market.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 17 Mar 2022 19:15:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f97d4756-f22d-11ec-b8fd-b3902e0634ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Trying to convince others to be smart with their money, Staying motivated on the baby steps, What to do with a large monetary gift, Paying off your house vs. leaving money in the market.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Trying to convince others to be smart with their money,
 Staying motivated on the baby steps,
 What to do with a large monetary gift,
 Paying off your house vs. leaving money in the market.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Trying to convince others to be smart with their money,</li> <li>Staying motivated on the baby steps,</li> <li>What to do with a large monetary gift,</li> <li>Paying off your house vs. leaving money in the market.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2433</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec8acc8f-2787-4beb-9a44-bf01c36ab66b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5572160162.mp3?updated=1655907453" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can’t Outearn Your Stupidity (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03162022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you pull money out of investments to buy a house?
 Dealing with a workplace injury and partial paycheck,
 Selling a house after getting married,
 How to plan for emergencies in business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 16 Mar 2022 21:15:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f9e52eb6-f22d-11ec-b8fd-5b7857e9b5bb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you pull money out of investments to buy a house? Dealing with a workplace injury and partial paycheck, Selling a house after getting married, How to plan for emergencies in business.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you pull money out of investments to buy a house?
 Dealing with a workplace injury and partial paycheck,
 Selling a house after getting married,
 How to plan for emergencies in business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you pull money out of investments to buy a house?</li> <li>Dealing with a workplace injury and partial paycheck,</li> <li>Selling a house after getting married,</li> <li>How to plan for emergencies in business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5a128edb-3d09-4451-af62-f10d1471560b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4173758207.mp3?updated=1655907454" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Meddling in Your Daughter’s Marriage! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03162022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Why you shouldn't butt into your kid's new marriage,
 How to use the proceeds from a home sale (1031 exchange),
 Where to put medical debt in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 16 Mar 2022 20:15:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa67d50a-f22d-11ec-b8fd-9bf7e126186a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Why you shouldn't butt into your kid's new marriage, How to use the proceeds from a home sale (1031 exchange), Where to put medical debt in the debt snowball.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Why you shouldn't butt into your kid's new marriage,
 How to use the proceeds from a home sale (1031 exchange),
 Where to put medical debt in the debt snowball.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Why you shouldn't butt into your kid's new marriage,</li> <li>How to use the proceeds from a home sale (1031 exchange),</li> <li>Where to put medical debt in the debt snowball.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[48cc7b33-5a87-4c25-ad7a-c36756d6266a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9160417359.mp3?updated=1655907454" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Rent Is Going Up 62%! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03162022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  What to do about rising rent prices,
 Family drama when your parents decide to leave you more money than your siblings,
 What to do with a pension.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 16 Mar 2022 19:15:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fd4e0280-f22d-11ec-b8fd-6f3264f46ede/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  What to do about rising rent prices, Family drama when your parents decide to leave you more money than your siblings, What to do with a pension.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  What to do about rising rent prices,
 Family drama when your parents decide to leave you more money than your siblings,
 What to do with a pension.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>What to do about rising rent prices,</li> <li>Family drama when your parents decide to leave you more money than your siblings,</li> <li>What to do with a pension.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e03e5ed4-4499-40c0-a448-7def8f445c5e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4935740905.mp3?updated=1655910938" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With a Toxic Roommate Situation (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03152022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to move on from a traumatic situation,
 Advice on where to park money,
 What to do with the profits from a home sale.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 15 Mar 2022 21:15:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fffa04ac-f22d-11ec-b8fd-6b782659d2fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to move on from a traumatic situation, Advice on where to park money, What to do with the profits from a home sale.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to move on from a traumatic situation,
 Advice on where to park money,
 What to do with the profits from a home sale.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to move on from a traumatic situation,</li> <li>Advice on where to park money,</li> <li>What to do with the profits from a home sale.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[827822db-af29-4c9f-b00c-3f1869614487]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9463347462.mp3?updated=1655907455" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Greedy Rich People": Secret Santa AKA Larry Stewart (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03152022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  The legacy of Secret Santa and Larry Stewart's outrageous generosity,
 Should you give money to your church if they aren't transparent with their budget?
 How you can teach your kids about money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 15 Mar 2022 20:15:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00739600-f22e-11ec-b8fd-433bcf032c73/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  The legacy of Secret Santa and Larry Stewart's outrageous generosity, Should you give money to your church if they aren't transparent with their budget? How you can teach your kids about money.  Want a plan...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  The legacy of Secret Santa and Larry Stewart's outrageous generosity,
 Should you give money to your church if they aren't transparent with their budget?
 How you can teach your kids about money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>The legacy of Secret Santa and Larry Stewart's outrageous generosity,</li> <li>Should you give money to your church if they aren't transparent with their budget?</li> <li>How you can teach your kids about money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6a413b14-7dcc-4a57-9409-1e8da1132085]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5289575525.mp3?updated=1655910940" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Haven’t Been Open With My Wife About Our Finances (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03152022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a work bonus,
 Working together with your spouse on finances,
 Pausing investing to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 15 Mar 2022 19:15:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00cda8d4-f22e-11ec-b8fd-376fb1f747cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do with a work bonus, Working together with your spouse on finances, Pausing investing to pay off debt.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do with a work bonus,
 Working together with your spouse on finances,
 Pausing investing to pay off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do with a work bonus,</li> <li>Working together with your spouse on finances,</li> <li>Pausing investing to pay off debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc972046-15af-4636-b8d3-843c409e89ff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1745005908.mp3?updated=1655907456" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Be a Long-Distance Landlord? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03142022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you hire a property manager to help with rentals?
 The best way to invest,
 Why reverse mortgages suck,
 What's wrong with cash value life insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 14 Mar 2022 21:15:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/012790d8-f22e-11ec-b8fd-5f4bf4bdc7d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you hire a property manager to help with rentals? The best way to invest, Why reverse mortgages suck, What's wrong with cash value life insurance.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you hire a property manager to help with rentals?
 The best way to invest,
 Why reverse mortgages suck,
 What's wrong with cash value life insurance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you hire a property manager to help with rentals?</li> <li>The best way to invest,</li> <li>Why reverse mortgages suck,</li> <li>What's wrong with cash value life insurance.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[52267ef8-c028-4a46-a5b7-2fe4d3230bc8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5810683956.mp3?updated=1655907457" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What To Do In the Middle of a Hurricane (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03142022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The expense of having a child in the NICU,
 Why you have to get mad at your debt to get rid of it,
 The importance of life insurance,
 How much does it actually cost to have kids?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 14 Mar 2022 20:15:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/018036ca-f22e-11ec-b8fd-fb140c1e0e89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The expense of having a child in the NICU, Why you have to get mad at your debt to get rid of it, The importance of life insurance, How much does it actually cost to have kids?  Want a plan for your money? Find...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The expense of having a child in the NICU,
 Why you have to get mad at your debt to get rid of it,
 The importance of life insurance,
 How much does it actually cost to have kids?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The expense of having a child in the NICU,</li> <li>Why you have to get mad at your debt to get rid of it,</li> <li>The importance of life insurance,</li> <li>How much does it actually cost to have kids?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2c62f1b5-cfe8-4af2-ab89-f3e397780df0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5103734252.mp3?updated=1655907458" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Timeshares Suck Theme Hour (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03142022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  The legalized fraud known as the Timeshare Industry and the work the Newton Group is doing to help timeshare owners.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 14 Mar 2022 19:15:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01d82a2e-f22e-11ec-b8fd-e71ddad7cfc1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  The legalized fraud known as the Timeshare Industry and the work the Newton Group is doing to help timeshare owners.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  The legalized fraud known as the Timeshare Industry and the work the Newton Group is doing to help timeshare owners.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>The legalized fraud known as the Timeshare Industry and the work the Newton Group is doing to help timeshare owners.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2490</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[498a5c13-e19d-4d45-b7f4-73ce3c4f2246]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3295931288.mp3?updated=1655907458" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Ramsey Show Reacts to Terrible TikTok Advice (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03112022-hour3</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Terrible real estate investing advice from TikTok personalities,
 How to help your your son find a meaningful job,
 Feeling stuck in your financial situation,
 Should you sell the house in this crazy market?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 11 Mar 2022 22:15:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0230ceea-f22e-11ec-b8fd-1b4c1ec95896/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Terrible real estate investing advice from TikTok personalities, How to help your your son find a meaningful job, Feeling stuck in your financial situation, Should you sell the house in this crazy market?  Want...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Terrible real estate investing advice from TikTok personalities,
 How to help your your son find a meaningful job,
 Feeling stuck in your financial situation,
 Should you sell the house in this crazy market?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Terrible real estate investing advice from TikTok personalities,</li> <li>How to help your your son find a meaningful job,</li> <li>Feeling stuck in your financial situation,</li> <li>Should you sell the house in this crazy market?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[479d055f-d42d-4959-8561-63a992a28a26]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3263732799.mp3?updated=1655907459" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Workplace Cringe: When Your Co-Workers Drive You Crazy (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03112022-hour2</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  Don't go into debt just because you're too impatient to wait,
 Things your co-workers do that drive you crazy,
 The awkwardness of leaving a job,
 Talking your girlfriend out of getting a credit card.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 11 Mar 2022 21:15:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0289c310-f22e-11ec-b8fd-9767505e2702/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  Don't go into debt just because you're too impatient to wait, Things your co-workers do that drive you crazy, The awkwardness of leaving a job, Talking your girlfriend out of getting a credit card.  Want a plan...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  Don't go into debt just because you're too impatient to wait,
 Things your co-workers do that drive you crazy,
 The awkwardness of leaving a job,
 Talking your girlfriend out of getting a credit card.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>Don't go into debt just because you're too impatient to wait,</li> <li>Things your co-workers do that drive you crazy,</li> <li>The awkwardness of leaving a job,</li> <li>Talking your girlfriend out of getting a credit card.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cf214881-504b-4806-9dd4-65674a9f2c04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4512570233.mp3?updated=1655907459" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Emergency Fund Is Insurance, Not an Investment (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03112022-hour1</link>
      <description>George Kamel &amp; Ken Coleman discuss:
  When you can afford a new house,
 The purpose of an emergency fund (it's insurance, not an investment),
 Preparing for a career change.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 11 Mar 2022 20:15:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/02eebcac-f22e-11ec-b8fd-33572a7d089a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Ken Coleman discuss:  When you can afford a new house, The purpose of an emergency fund (it's insurance, not an investment), Preparing for a career change.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Ken Coleman discuss:
  When you can afford a new house,
 The purpose of an emergency fund (it's insurance, not an investment),
 Preparing for a career change.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Ken Coleman discuss:</p> <ul> <li>When you can afford a new house,</li> <li>The purpose of an emergency fund (it's insurance, not an investment),</li> <li>Preparing for a career change.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d94fdf9-8204-4f87-bc3d-bd697389a98a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4113305562.mp3?updated=1655907460" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Never Too Late To Start Investing in Your Future (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03102022-hour3</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  When it makes sense to buy land vs. a house,
 When it makes sense to invest in precious metals (never),
 How to start saving for retirement even in you're over 60.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 10 Mar 2022 22:15:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/03481428-f22e-11ec-b8fd-1fa74377a060/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  When it makes sense to buy land vs. a house, When it makes sense to invest in precious metals (never), How to start saving for retirement even in you're over 60.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  When it makes sense to buy land vs. a house,
 When it makes sense to invest in precious metals (never),
 How to start saving for retirement even in you're over 60.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>When it makes sense to buy land vs. a house,</li> <li>When it makes sense to invest in precious metals (never),</li> <li>How to start saving for retirement even in you're over 60.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6d559001-3c6d-46b0-8af4-ce2c804f0e86]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6153318521.mp3?updated=1655907460" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Inflation Is Real but It’s Not the End of the World (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03102022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Inflation: how to think about it, how to stay calm, how to budget;
 The student loan crisis,
 How a 17-year-old can set themself up for success with money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 10 Mar 2022 21:15:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/039fb5d4-f22e-11ec-b8fd-438105985475/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Inflation: how to think about it, how to stay calm, how to budget; The student loan crisis, How a 17-year-old can set themself up for success with money.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Inflation: how to think about it, how to stay calm, how to budget;
 The student loan crisis,
 How a 17-year-old can set themself up for success with money.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Inflation: how to think about it, how to stay calm, how to budget;</li> <li>The student loan crisis,</li> <li>How a 17-year-old can set themself up for success with money.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fb9801ca-8ebe-438e-a86f-74c53bb5e9d7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2488911196.mp3?updated=1655907461" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Tim Tebow on Living With Passion &amp; Intentionality (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03102022-hour1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Tim Tebow's new book Mission Possible

 Getting out of debt even when your income isn't large,
 Using a 529 to save for kids' college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 10 Mar 2022 20:15:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/03f81954-f22e-11ec-b8fd-ef1552f4e50d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Tim Tebow's new book Mission Possible Getting out of debt even when your income isn't large, Using a 529 to save for kids' college.  Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Tim Tebow's new book Mission Possible

 Getting out of debt even when your income isn't large,
 Using a 529 to save for kids' college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Tim Tebow's new book <em>Mission Possible</em>
</li> <li>Getting out of debt even when your income isn't large,</li> <li>Using a 529 to save for kids' college.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d04f028e-f71c-485e-b6a9-b7abc62de237]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9383004971.mp3?updated=1655907461" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave Talks the Difference Between Helping and Enabling (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03092022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Toxic generosity,
 What to prioritize when paying off debt,
 Where to park money after a home sale
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 09 Mar 2022 22:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0453367c-f22e-11ec-b8fd-5ba35ac20394/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Toxic generosity, What to prioritize when paying off debt, Where to park money after a home sale  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Toxic generosity,
 What to prioritize when paying off debt,
 Where to park money after a home sale
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Toxic generosity,</li> <li>What to prioritize when paying off debt,</li> <li>Where to park money after a home sale</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2056c764-6d22-4bdf-bc5e-672a30fbf074]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4486013584.mp3?updated=1655907462" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Investing Instead of Paying for School Is Financial Suicide! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03092022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Teaching your kid about money the right way,
 A situation with a controlling husband,
 Paying for medical school
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 09 Mar 2022 21:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/04b742b6-f22e-11ec-b8fd-2bffaa518b4b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Teaching your kid about money the right way, A situation with a controlling husband, Paying for medical school  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Teaching your kid about money the right way,
 A situation with a controlling husband,
 Paying for medical school
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Teaching your kid about money the right way,</li> <li>A situation with a controlling husband,</li> <li>Paying for medical school</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c830a66d-d72d-4333-b95f-ed11529027ec]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7546479321.mp3?updated=1655907462" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Is Spending Like Crazy...What Do I Do? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03092022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Budgeting for sinking funds,
 A situation with a large tax return and debt collectors,
 What must be true for a struggling marriage to work.
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Wed, 09 Mar 2022 20:15:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05532d70-f22e-11ec-b8fd-ab2f6f9395a9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Budgeting for sinking funds, A situation with a large tax return and debt collectors, What must be true for a struggling marriage to work.   Want a plan for your money? Find out where to start:  Listen to all...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Budgeting for sinking funds,
 A situation with a large tax return and debt collectors,
 What must be true for a struggling marriage to work.
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Budgeting for sinking funds,</li> <li>A situation with a large tax return and debt collectors,</li> <li>What must be true for a struggling marriage to work.</li> </ul> <p> Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0b7540d1-edb1-48c8-9420-03cba3175545]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2397220109.mp3?updated=1655907463" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Prep for Starting My Healing Arts Business? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03082022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Managing an HSA,
 Starting your own business,
 How to get started working the plan.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 08 Mar 2022 22:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05dcc8c8-f22e-11ec-b8fd-0be40440fd9b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Managing an HSA, Starting your own business, How to get started working the plan.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Managing an HSA,
 Starting your own business,
 How to get started working the plan.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Managing an HSA,</li> <li>Starting your own business,</li> <li>How to get started working the plan.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[93c42890-a3a7-4c22-948e-db01e78dbafd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7270081531.mp3?updated=1655907463" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Just Made the Worst Financial Decision of My Life (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03082022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Why timeshares are horrible,
 How to decide about a job offer,
 Paying off your mortgage
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </description>
      <pubDate>Tue, 08 Mar 2022 21:15:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0636f1e0-f22e-11ec-b8fd-fbf52b6deed4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Why timeshares are horrible, How to decide about a job offer, Paying off your mortgage   Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:   </itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Why timeshares are horrible,
 How to decide about a job offer,
 Paying off your mortgage
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Why timeshares are horrible,</li> <li>How to decide about a job offer,</li> <li>Paying off your mortgage</li> </ul> <p> Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3fa4c12c-0b82-4bba-92a7-774b9a305bad]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6277936845.mp3?updated=1655907464" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Quit Rationalizing the Misuse of Your Emergency Fund! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03082022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Tackling unexpected medical debt,
 The philosophy of renting,
 Handling a beneficiary payout.
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 08 Mar 2022 20:15:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06b1f5f2-f22e-11ec-b8fd-eb34bb0c8a79/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Tackling unexpected medical debt, The philosophy of renting, Handling a beneficiary payout.   Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Tackling unexpected medical debt,
 The philosophy of renting,
 Handling a beneficiary payout.
   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Tackling unexpected medical debt,</li> <li>The philosophy of renting,</li> <li>Handling a beneficiary payout.</li> </ul> <p> Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ead4549a-9467-4cdd-be62-86c80eb3d97b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1157481509.mp3?updated=1655907464" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>A Powerful Debt-Free Journey That Leaves a Legacy (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03072022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Preparing for filing taxes,
 How to walk through a potential job change,
 An emotional Debt-Free Scream.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 07 Mar 2022 22:15:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0729b894-f22e-11ec-b8fd-439786186a04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Preparing for filing taxes, How to walk through a potential job change, An emotional Debt-Free Scream.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Preparing for filing taxes,
 How to walk through a potential job change,
 An emotional Debt-Free Scream.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Preparing for filing taxes,</li> <li>How to walk through a potential job change,</li> <li>An emotional Debt-Free Scream.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2808542b-6160-4ac2-a265-2e51d3a0c13a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9417048191.mp3?updated=1655907465" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm in the Military...How Do I Approach the Home-Buying Process? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03072022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to approach home buying in the military,
 Planning retirement for your future,
 Prioritizing school and paying bills.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 07 Mar 2022 21:15:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/07866e22-f22e-11ec-b8fd-ffd99c5d831b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to approach home buying in the military, Planning retirement for your future, Prioritizing school and paying bills.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to approach home buying in the military,
 Planning retirement for your future,
 Prioritizing school and paying bills.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to approach home buying in the military,</li> <li>Planning retirement for your future,</li> <li>Prioritizing school and paying bills.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2a1d81ce-feeb-41d4-bd8e-45b5f224db2c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5672443779.mp3?updated=1655907465" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm a Collectibles Hoarder and Need To Make a Change (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03072022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to budget for an engagement ring,
 The difference between collecting and hoarding,
 Dealing with a large inheritance
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 07 Mar 2022 20:15:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/082dbace-f22e-11ec-b8fd-bffa6a4cc59a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to budget for an engagement ring, The difference between collecting and hoarding, Dealing with a large inheritance  Want a plan for your money? Find out where to start:  Listen to all The Ramsey...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to budget for an engagement ring,
 The difference between collecting and hoarding,
 Dealing with a large inheritance
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to budget for an engagement ring,</li> <li>The difference between collecting and hoarding,</li> <li>Dealing with a large inheritance</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[941ded92-7a4d-4647-a928-6ddf632ccc3e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6570701694.mp3?updated=1655907466" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Work for My Parents &amp; Want To Ask for a Raise (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03042022-hour3</link>
      <description>Dr. John Delony &amp; George Kamel discuss:
  Budgeting woes,
 Money disagreements during an engagement,
 Asking for a raise when you work for your parents,
 Working through a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 04 Mar 2022 22:15:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/088661c4-f22e-11ec-b8fd-a7e026d7f8dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony &amp; George Kamel discuss:  Budgeting woes, Money disagreements during an engagement, Asking for a raise when you work for your parents, Working through a divorce.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:
  Budgeting woes,
 Money disagreements during an engagement,
 Asking for a raise when you work for your parents,
 Working through a divorce.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p> <ul> <li>Budgeting woes,</li> <li>Money disagreements during an engagement,</li> <li>Asking for a raise when you work for your parents,</li> <li>Working through a divorce.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1aa1281d-d610-4d44-b129-8e2fa754fbd2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9719527126.mp3?updated=1655907466" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take Time Off School To Pay Down Debt? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03042022-hour2</link>
      <description>Dr. John Delony &amp; George Kamel discuss:
  When it makes sense to leave a job,
 Should you sell the car?
 What to do with your 401k when you leave a job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 04 Mar 2022 21:15:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/08df2c1e-f22e-11ec-b8fd-af5c2f87e82a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony &amp; George Kamel discuss:  When it makes sense to leave a job, Should you sell the car? What to do with your 401k when you leave a job.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network...</itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:
  When it makes sense to leave a job,
 Should you sell the car?
 What to do with your 401k when you leave a job.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p> <ul> <li>When it makes sense to leave a job,</li> <li>Should you sell the car?</li> <li>What to do with your 401k when you leave a job.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[715c0552-6dd9-42e6-9332-6923a7db657f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3626354976.mp3?updated=1655907467" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>High Gas Prices Are Affecting My Business (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03042022-hour1</link>
      <description>Dr. John Delony &amp; George Kamel discuss:
  How TikTok's algorithm is dangerous for kids,
 Dealing with high gas prices,
 Re-financing your house,
 Paying off debt to start a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 04 Mar 2022 20:15:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09369242-f22e-11ec-b8fd-238023f0cff7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony &amp; George Kamel discuss:  How TikTok's algorithm is dangerous for kids, Dealing with high gas prices, Re-financing your house, Paying off debt to start a business.  Want a plan for your money? Find out where to start:  Listen...</itunes:subtitle>
      <itunes:summary>Dr. John Delony &amp; George Kamel discuss:
  How TikTok's algorithm is dangerous for kids,
 Dealing with high gas prices,
 Re-financing your house,
 Paying off debt to start a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony &amp; George Kamel discuss:</p> <ul> <li>How TikTok's algorithm is dangerous for kids,</li> <li>Dealing with high gas prices,</li> <li>Re-financing your house,</li> <li>Paying off debt to start a business.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af5bca74-bb49-4a73-bee5-1dfb6efd8996]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3253251346.mp3?updated=1655907467" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Student Loan Scams Are on the Rise (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03032022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you wait for student loan forgiveness?
 Making payments on your kids' student loans,
 Student loan scams on the rise,
 Going out on your own as a young adult.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 03 Mar 2022 22:15:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/098d2800-f22e-11ec-b8fd-47190b54a46f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you wait for student loan forgiveness? Making payments on your kids' student loans, Student loan scams on the rise, Going out on your own as a young adult.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you wait for student loan forgiveness?
 Making payments on your kids' student loans,
 Student loan scams on the rise,
 Going out on your own as a young adult.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you wait for student loan forgiveness?</li> <li>Making payments on your kids' student loans,</li> <li>Student loan scams on the rise,</li> <li>Going out on your own as a young adult.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d7afefc3-e1a0-4efa-ab83-83995f2944c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4653307407.mp3?updated=1655907468" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should You Buy a House Right Now? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03032022-hour2</link>
      <description>Dave Reads Mean Tweets is back! And George Reads YouTube Comments. They also discuss:
  Where to put college savings,
 What type of house you should buy,
 Working vs. going to school,
 Negotiating with your auto insurance company,
 Navigating military moves.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 03 Mar 2022 21:15:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09e80766-f22e-11ec-b8fd-4bc0452b7f44/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Reads Mean Tweets is back! And George Reads YouTube Comments. They also discuss:  Where to put college savings, What type of house you should buy, Working vs. going to school, Negotiating with your auto insurance company, Navigating military...</itunes:subtitle>
      <itunes:summary>Dave Reads Mean Tweets is back! And George Reads YouTube Comments. They also discuss:
  Where to put college savings,
 What type of house you should buy,
 Working vs. going to school,
 Negotiating with your auto insurance company,
 Navigating military moves.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Reads Mean Tweets is back! And George Reads YouTube Comments. They also discuss:</p> <ul> <li>Where to put college savings,</li> <li>What type of house you should buy,</li> <li>Working vs. going to school,</li> <li>Negotiating with your auto insurance company,</li> <li>Navigating military moves.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2462</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[950023db-e9fb-4e01-bcb6-7a198b292600]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3886831070.mp3?updated=1655907468" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Set Boundaries With Your Dysfunctional Family! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03032022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How dysfunctional family situations always lead to money problems,
 When it's time to downsize.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 03 Mar 2022 20:15:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a3fc51e-f22e-11ec-b8fd-2f826fecad33/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How dysfunctional family situations always lead to money problems, When it's time to downsize.  Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How dysfunctional family situations always lead to money problems,
 When it's time to downsize.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How dysfunctional family situations always lead to money problems,</li> <li>When it's time to downsize.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[90ae3c04-9b51-4857-ba9e-19a16462dbcc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3664209750.mp3?updated=1655907469" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Do the Right Thing in the Wrong Way (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03022022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Sometimes you can do the right thing with money in the wrong way,
 Getting pregnant with twins when you already have three kids,
 When you can afford to self-insure.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 02 Mar 2022 22:15:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a956a1e-f22e-11ec-b8fd-b37bbb2d05a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Sometimes you can do the right thing with money in the wrong way, Getting pregnant with twins when you already have three kids, When you can afford to self-insure.  Want a plan for your money? Find out where...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Sometimes you can do the right thing with money in the wrong way,
 Getting pregnant with twins when you already have three kids,
 When you can afford to self-insure.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Sometimes you can do the right thing with money in the wrong way,</li> <li>Getting pregnant with twins when you already have three kids,</li> <li>When you can afford to self-insure.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aaf5c1bb-5caa-4767-9c14-f507babe56df]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6045540544.mp3?updated=1655907469" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Quit Justifying Stupid Car Decisions! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03022022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do once you pay off your home,
 How to know it's time to turn a failing business into a hobby,
 Dealing with regret after buying a new car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 02 Mar 2022 21:15:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d5e80dc-f22e-11ec-b8fd-8729052f2fef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  What to do once you pay off your home, How to know it's time to turn a failing business into a hobby, Dealing with regret after buying a new car.  Want a plan for your money? Find out where to start: ...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  What to do once you pay off your home,
 How to know it's time to turn a failing business into a hobby,
 Dealing with regret after buying a new car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do once you pay off your home,</li> <li>How to know it's time to turn a failing business into a hobby,</li> <li>Dealing with regret after buying a new car.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[15a04222-63fb-433c-a799-d3b053f035e9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3349157263.mp3?updated=1655907470" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Trying To Give Money Advice to Family (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03022022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  How to give financial advice to family,
 Paying off your mortgage,
 Building up cash during pregnancy,
 Regaining motivation after grieving a family death.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 02 Mar 2022 20:15:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0ff19d98-f22e-11ec-b8fd-5b3c0738b4fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  How to give financial advice to family, Paying off your mortgage, Building up cash during pregnancy, Regaining motivation after grieving a family death.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  How to give financial advice to family,
 Paying off your mortgage,
 Building up cash during pregnancy,
 Regaining motivation after grieving a family death.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>How to give financial advice to family,</li> <li>Paying off your mortgage,</li> <li>Building up cash during pregnancy,</li> <li>Regaining motivation after grieving a family death.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0a0b5be8-74c4-4b0e-875f-50e240c40a74]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3213725533.mp3?updated=1655907470" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Spoiler Alert: We’re All Going To Die (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03012022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Does getting a will make you die faster? (hint: no),
 When to leave your job for another one,
 How to use social security checks for the kids,
 Caring for an aging loved one.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 01 Mar 2022 22:15:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/121d5512-f22e-11ec-b8fd-a7c2a815bfd1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Does getting a will make you die faster? (hint: no), When to leave your job for another one, How to use social security checks for the kids, Caring for an aging loved one.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Does getting a will make you die faster? (hint: no),
 When to leave your job for another one,
 How to use social security checks for the kids,
 Caring for an aging loved one.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Does getting a will make you die faster? (hint: no),</li> <li>When to leave your job for another one,</li> <li>How to use social security checks for the kids,</li> <li>Caring for an aging loved one.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0d6a2b18-f8f3-45ad-9903-b4f943f662f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3962257071.mp3?updated=1655907471" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Went Behind My Back &amp; Financed a Car (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03012022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  George's millennial restaurant hacks,
 How to tackle student loan debt,
 Dealing with burnout while working multiple jobs,
 What to do when you feel financially betrayed in a marriage.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 01 Mar 2022 21:15:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/12739120-f22e-11ec-b8fd-973a4cb683c0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  George's millennial restaurant hacks, How to tackle student loan debt, Dealing with burnout while working multiple jobs, What to do when you feel financially betrayed in a marriage.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  George's millennial restaurant hacks,
 How to tackle student loan debt,
 Dealing with burnout while working multiple jobs,
 What to do when you feel financially betrayed in a marriage.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>George's millennial restaurant hacks,</li> <li>How to tackle student loan debt,</li> <li>Dealing with burnout while working multiple jobs,</li> <li>What to do when you feel financially betrayed in a marriage.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53bc0503-e6bb-4017-9e52-99191a1a09d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6607387817.mp3?updated=1655907471" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Delta Is Screwing Customers, Not Serving Them (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-03012022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  How Delta is offering Buy-Now-Pay-Later (and why that hurts the consumer),
 The right way to take over an aging relative's accounts,
 How long you should hang onto an underperforming mutual fund.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</description>
      <pubDate>Tue, 01 Mar 2022 20:14:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/12c96e88-f22e-11ec-b8fd-d7ee76dbba77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  How Delta is offering Buy-Now-Pay-Later (and why that hurts the consumer), The right way to take over an aging relative's accounts, How long you should hang onto an underperforming mutual fund.  Want a plan for...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  How Delta is offering Buy-Now-Pay-Later (and why that hurts the consumer),
 The right way to take over an aging relative's accounts,
 How long you should hang onto an underperforming mutual fund.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>How Delta is offering Buy-Now-Pay-Later (and why that hurts the consumer),</li> <li>The right way to take over an aging relative's accounts,</li> <li>How long you should hang onto an underperforming mutual fund.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d53be82a-aaa3-446a-9218-de79523ec41b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8646295229.mp3?updated=1655907472" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Sales Job Is Making Me Push Financing (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02282022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  The dilemma of working in a job where you push financing,
 How to handle money when you have a terminal diagnosis,
 Ramping up the intensity of your giving,
 Budgeting your way out of debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 28 Feb 2022 22:14:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/135602e4-f22e-11ec-b8fd-2314b74c8391/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  The dilemma of working in a job where you push financing, How to handle money when you have a terminal diagnosis, Ramping up the intensity of your giving, Budgeting your way out of debt.  Want a plan for your...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  The dilemma of working in a job where you push financing,
 How to handle money when you have a terminal diagnosis,
 Ramping up the intensity of your giving,
 Budgeting your way out of debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>The dilemma of working in a job where you push financing,</li> <li>How to handle money when you have a terminal diagnosis,</li> <li>Ramping up the intensity of your giving,</li> <li>Budgeting your way out of debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[24c1a287-a07f-4307-82ee-03557fab6b4a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2373444780.mp3?updated=1655907472" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“Greedy Rich People”: Elon Musk Helps Ukraine Get Back Online (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02282022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Elon Musk's helping restore internet access to Ukraine,
 What to do when you fall off the debt-free wagon.
 Can you ever invest too much money?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </description>
      <pubDate>Mon, 28 Feb 2022 21:15:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13ae7f0a-f22e-11ec-b8fd-439f27785152/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Elon Musk's helping restore internet access to Ukraine, What to do when you fall off the debt-free wagon. Can you ever invest too much money?  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Elon Musk's helping restore internet access to Ukraine,
 What to do when you fall off the debt-free wagon.
 Can you ever invest too much money?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Elon Musk's helping restore internet access to Ukraine,</li> <li>What to do when you fall off the debt-free wagon.</li> <li>Can you ever invest too much money?</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a> </p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d0e7af1a-66d4-40df-a6e4-0fdcc3b8d60c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6364597965.mp3?updated=1655907473" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It’s Never Worth Staying in a Job You Hate! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02282022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman discuss:
  Jordan Peterson's career advice,
 Why it's never too late to start changing your life (just ask 74-year-old Dianne who paid off $30k!)
 Getting a trust vs. a will,
 Helping family get started on their financial journey.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 28 Feb 2022 20:14:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1405e15a-f22e-11ec-b8fd-6ffc814ee30e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman discuss:  Jordan Peterson's career advice, Why it's never too late to start changing your life (just ask 74-year-old Dianne who paid off $30k!) Getting a trust vs. a will, Helping family get started on their financial...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman discuss:
  Jordan Peterson's career advice,
 Why it's never too late to start changing your life (just ask 74-year-old Dianne who paid off $30k!)
 Getting a trust vs. a will,
 Helping family get started on their financial journey.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman discuss:</p> <ul> <li>Jordan Peterson's career advice,</li> <li>Why it's never too late to start changing your life (just ask 74-year-old Dianne who paid off $30k!)</li> <li>Getting a trust vs. a will,</li> <li>Helping family get started on their financial journey.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[565e319d-cad4-42c1-a697-a049f4e8821d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4170493918.mp3?updated=1655907473" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dealing With Family Drama Around an Inheritance (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02252022-hour3</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  How to handle the family drama that comes with an inheritance,
 Buying a house with cash,
 Taking the next right step financially.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Feb 2022 22:19:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/145cba8e-f22e-11ec-b8fd-0bc6eaaef083/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  How to handle the family drama that comes with an inheritance, Buying a house with cash, Taking the next right step financially.  Want a plan for your money? Find out where to start:  Listen to all The...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  How to handle the family drama that comes with an inheritance,
 Buying a house with cash,
 Taking the next right step financially.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>How to handle the family drama that comes with an inheritance,</li> <li>Buying a house with cash,</li> <li>Taking the next right step financially.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5059e3f2-a4e0-420d-8b2b-35c150ad6a4a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1705730907.mp3?updated=1655907477" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Waste Your Time or Money in the Metaverse! (Hour 2) </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02252022-hour2</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  When it makes sense to move,
 The absurdity and long-term effects of the Metaverse,
 Housing decisions during a messy divorce.
 Separating business and personal accounts.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Feb 2022 21:19:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/14e08cce-f22e-11ec-b8fd-f7bf281329ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  When it makes sense to move, The absurdity and long-term effects of the Metaverse, Housing decisions during a messy divorce. Separating business and personal accounts.  Want a plan for your money? Find out...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  When it makes sense to move,
 The absurdity and long-term effects of the Metaverse,
 Housing decisions during a messy divorce.
 Separating business and personal accounts.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>When it makes sense to move,</li> <li>The absurdity and long-term effects of the Metaverse,</li> <li>Housing decisions during a messy divorce.</li> <li>Separating business and personal accounts.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9ddeaf02-a66b-4309-a742-bd115780aaea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4751546336.mp3?updated=1655907477" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>George &amp; Delony React to Terrible TikTok Advice (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02252022-hour1</link>
      <description>George Kamel &amp; Dr. John Delony discuss:
  Staying calm during geopolitical storms,
 Why TikTok probably isn't the best source for financial advice,
 How to get on the same page with your spouse (even when they're incarcerated).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Fri, 25 Feb 2022 20:20:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/15373ea2-f22e-11ec-b8fd-93a73228693c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>George Kamel &amp; Dr. John Delony discuss:  Staying calm during geopolitical storms, Why TikTok probably isn't the best source for financial advice, How to get on the same page with your spouse (even when they're incarcerated).  Want a plan for your...</itunes:subtitle>
      <itunes:summary>George Kamel &amp; Dr. John Delony discuss:
  Staying calm during geopolitical storms,
 Why TikTok probably isn't the best source for financial advice,
 How to get on the same page with your spouse (even when they're incarcerated).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>George Kamel &amp; Dr. John Delony discuss:</p> <ul> <li>Staying calm during geopolitical storms,</li> <li>Why TikTok probably isn't the best source for financial advice,</li> <li>How to get on the same page with your spouse (even when they're incarcerated).</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6175ba5d-e7a5-4d8e-b789-246de6b90190]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8504538115.mp3?updated=1655907477" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife Wants a Bigger House… I Disagree (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02242022-hour3</link>
      <description> 
 Dave Ramsey &amp; Dr. John Delony discuss:
  What to do when house fever strikes,
 How to prepare financially for a divorce,
 The difference between helping and enabling,
 What to do when a career change is forced on you.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiX
  </description>
      <pubDate>Thu, 24 Feb 2022 22:19:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/158bcd64-f22e-11ec-b8fd-3b00b0e7b0b5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>  Dave Ramsey &amp; Dr. John Delony discuss:  What to do when house fever strikes, How to prepare financially for a divorce, The difference between helping and enabling, What to do when a career change is forced on you.  Want a plan for your...</itunes:subtitle>
      <itunes:summary> 
 Dave Ramsey &amp; Dr. John Delony discuss:
  What to do when house fever strikes,
 How to prepare financially for a divorce,
 The difference between helping and enabling,
 What to do when a career change is forced on you.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiX
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p> </p> <p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>What to do when house fever strikes,</li> <li>How to prepare financially for a divorce,</li> <li>The difference between helping and enabling,</li> <li>What to do when a career change is forced on you.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiX</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dc0b714a-82eb-44bd-9058-6ac3a34a93fe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5390624909.mp3?updated=1655907478" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Greedy Rich People": Shaq's Outrageous Generosity (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02242022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Shaq's outrageous generosity,
 How you should fund your kids' 529,
 Overfunding your IRA,
 Trying to get your parents to pay off their debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 24 Feb 2022 21:19:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/15e13e52-f22e-11ec-b8fd-535c79814e8a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Shaq's outrageous generosity, How you should fund your kids' 529, Overfunding your IRA, Trying to get your parents to pay off their debt.  Want a plan for your money? Find out where to start:  Listen to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Shaq's outrageous generosity,
 How you should fund your kids' 529,
 Overfunding your IRA,
 Trying to get your parents to pay off their debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Shaq's outrageous generosity,</li> <li>How you should fund your kids' 529,</li> <li>Overfunding your IRA,</li> <li>Trying to get your parents to pay off their debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c1fef890-488f-44a1-a870-989a217b0478]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9036596745.mp3?updated=1655907478" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Quit Blaming Everyone Else for Your Own Decisions! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02242022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Why you shouldn't get sucked into the 24hr news cycle,
 Learning to stop blaming everyone else for your own mistakes,
 Should you make your kid get a job?
 Avoiding stinginess with money,
 Getting out of collections.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Thu, 24 Feb 2022 20:19:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/164aee6a-f22e-11ec-b8fd-f37224316954/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Why you shouldn't get sucked into the 24hr news cycle, Learning to stop blaming everyone else for your own mistakes, Should you make your kid get a job? Avoiding stinginess with money, Getting out of...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Why you shouldn't get sucked into the 24hr news cycle,
 Learning to stop blaming everyone else for your own mistakes,
 Should you make your kid get a job?
 Avoiding stinginess with money,
 Getting out of collections.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Why you shouldn't get sucked into the 24hr news cycle,</li> <li>Learning to stop blaming everyone else for your own mistakes,</li> <li>Should you make your kid get a job?</li> <li>Avoiding stinginess with money,</li> <li>Getting out of collections.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[56c16921-951c-44a8-ba69-236bdd725d4f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9508612553.mp3?updated=1655907479" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Get Rich Slow Like a Real Baby Steps Millionaire (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02232022-hour3</link>
      <description>Dave Ramsey talks to everyday millionaires in this Baby Steps Millionaire Theme Hour.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 23 Feb 2022 22:19:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/16d25ed6-f22e-11ec-b8fd-2f59631338bf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey talks to everyday millionaires in this Baby Steps Millionaire Theme Hour. Want a plan for your money? Find out where to start:  Listen to all The Ramsey Network podcasts:</itunes:subtitle>
      <itunes:summary>Dave Ramsey talks to everyday millionaires in this Baby Steps Millionaire Theme Hour.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey talks to everyday millionaires in this Baby Steps Millionaire Theme Hour.</p> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[45420769-84f0-4f37-82ee-49a250f60c38]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2381286734.mp3?updated=1655910942" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Economy Is a Hot Mess but YOU Control YOU (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02232022-hour2</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  The perfect storm in our economy (and what you can do about it),
 Taking vacations during the Baby Steps,
 Paying for medical school,
 Renting vs. buying a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiX</description>
      <pubDate>Wed, 23 Feb 2022 21:19:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17280dfe-f22e-11ec-b8fd-63c24c9fb949/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  The perfect storm in our economy (and what you can do about it), Taking vacations during the Baby Steps, Paying for medical school, Renting vs. buying a house.  Want a plan for your money? Find out where to...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  The perfect storm in our economy (and what you can do about it),
 Taking vacations during the Baby Steps,
 Paying for medical school,
 Renting vs. buying a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiX</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>The perfect storm in our economy (and what you can do about it),</li> <li>Taking vacations during the Baby Steps,</li> <li>Paying for medical school,</li> <li>Renting vs. buying a house.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiX</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e571d495-eed9-46ef-8c15-1b34e3041fa8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5832097114.mp3?updated=1655907480" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Rationalize Your Way Into Bad Money Decisions (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/dont-rationalize-your-way-into-bad-money-decisions-hour-1</link>
      <description>Dave Ramsey &amp; Rachel Cruze discuss:
  Why taxes suck, but you should still:  Get as close to a $0 return/refund as you can,
 Know how to file your side gigs,
 Understand the Child Tax Credit changes.
  
 Also, why you shouldn't rationalize bad money decisions
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Wed, 23 Feb 2022 20:59:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17822122-f22e-11ec-b8fd-235569ab40c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze discuss:  Why taxes suck, but you should still:  Get as close to a $0 return/refund as you can, Know how to file your side gigs, Understand the Child Tax Credit changes.   Also, why you shouldn't rationalize bad money...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Rachel Cruze discuss:
  Why taxes suck, but you should still:  Get as close to a $0 return/refund as you can,
 Know how to file your side gigs,
 Understand the Child Tax Credit changes.
  
 Also, why you shouldn't rationalize bad money decisions
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Rachel Cruze discuss:</p> <ul> <li>Why taxes suck, but you should still: <ul> <li>Get as close to a $0 return/refund as you can,</li> <li>Know how to file your side gigs,</li> <li>Understand the Child Tax Credit changes.</li> </ul> </li> <li>Also, why you shouldn't rationalize bad money decisions</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f47d2f4-3a40-4cb6-ade6-3eb1605b37c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9482459483.mp3?updated=1655907480" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Dave Reacts: Millennials Get Their Avocado Toast Back (Hour 3) </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02222022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  When to move from a temp job to full-time work,
 What to do with your pension payouts,
 Millennials and avocado toast,
 When it's time to quit being passive &amp; clean up your mess.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 22 Feb 2022 22:19:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17d7b2fe-f22e-11ec-b8fd-87f9c7786438/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  When to move from a temp job to full-time work, What to do with your pension payouts, Millennials and avocado toast, When it's time to quit being passive &amp; clean up your mess.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  When to move from a temp job to full-time work,
 What to do with your pension payouts,
 Millennials and avocado toast,
 When it's time to quit being passive &amp; clean up your mess.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>When to move from a temp job to full-time work,</li> <li>What to do with your pension payouts,</li> <li>Millennials and avocado toast,</li> <li>When it's time to quit being passive &amp; clean up your mess.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[151ae070-551a-4fe4-9343-0c353961a20e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3637866583.mp3?updated=1655907481" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Are We Headed for Another Great Recession? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02222022-hour2</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Should you roll an IRA into your company's 401(k)?
 Why the US is bound to hit the financial wall eventually,
 What to do when you get screwed by the car dealership,
 The insanity of pulling from your IRA to pay your mortgage.
    
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Tue, 22 Feb 2022 21:19:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/182fbf6c-f22e-11ec-b8fd-c36b1540995e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Should you roll an IRA into your company's 401(k)? Why the US is bound to hit the financial wall eventually, What to do when you get screwed by the car dealership, The insanity of pulling from your IRA to pay...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Should you roll an IRA into your company's 401(k)?
 Why the US is bound to hit the financial wall eventually,
 What to do when you get screwed by the car dealership,
 The insanity of pulling from your IRA to pay your mortgage.
    
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Should you roll an IRA into your company's 401(k)?</li> <li>Why the US is bound to hit the financial wall eventually,</li> <li>What to do when you get screwed by the car dealership,</li> <li>The insanity of pulling from your IRA to pay your mortgage.</li> </ul> <ul> <li> </li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e45839fc-4c35-41c4-af88-cdb50f6087bb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6949898595.mp3?updated=1655907481" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Be a Financial Lemming… Think for Yourself (Hour 1) </title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02222022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel discuss:
  Paying down debt vs. investing in rental property,
 Getting out of a car lease,
 When it's time to re-finance,
 Prioritizing debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </description>
      <pubDate>Tue, 22 Feb 2022 20:19:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/188682de-f22e-11ec-b8fd-97c6cb5368f2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel discuss:  Paying down debt vs. investing in rental property, Getting out of a car lease, When it's time to re-finance, Prioritizing debt.  Want a plan for your money? Find out where to start:   Listen to all The...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel discuss:
  Paying down debt vs. investing in rental property,
 Getting out of a car lease,
 When it's time to re-finance,
 Prioritizing debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel discuss:</p> <ul> <li>Paying down debt vs. investing in rental property,</li> <li>Getting out of a car lease,</li> <li>When it's time to re-finance,</li> <li>Prioritizing debt.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a> </p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a> </p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[657df6ce-b049-4db9-b664-1a8ebf2273d7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9377911902.mp3?updated=1655907482" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Go Into Debt To Start a Business? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02212022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
 Do you always have to sell your car to pay off debt? Can you require a will beneficiary to take FPU? What to do when you feel stuck in a toxic marriage, Paying off Parent Plus loans, Why you should never go into debt to start a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </description>
      <pubDate>Mon, 21 Feb 2022 22:19:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/18dd457e-f22e-11ec-b8fd-133af267ce7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss: Do you always have to sell your car to pay off debt? Can you require a will beneficiary to take FPU? What to do when you feel stuck in a toxic marriage, Paying off Parent Plus loans, Why you should never go...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
 Do you always have to sell your car to pay off debt? Can you require a will beneficiary to take FPU? What to do when you feel stuck in a toxic marriage, Paying off Parent Plus loans, Why you should never go into debt to start a business.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX 
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <p>Do you always have to sell your car to pay off debt?<br> Can you require a will beneficiary to take FPU?<br> What to do when you feel stuck in a toxic marriage,<br> Paying off Parent Plus loans,<br> Why you should never go into debt to start a business.</p> <p><br> Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a> </p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a> </p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[240c128c-213d-4c5c-b371-13a0d861f89c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9866223297.mp3?updated=1655907482" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Getting Out of Debt Just Might Save Your Marriage (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02212022-hour2</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  the Borrowed Future documentary with guest A’Mari Simmons,
 What to do when you buy too much house,
 Dealing with credit checks and potential identify theft,
 How getting out of debt can save your marriage,
 When to make the jump to a new career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 21 Feb 2022 21:19:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/193d43c0-f22e-11ec-b8fd-0be36d2cbd8a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  the Borrowed Future documentary with guest A’Mari Simmons, What to do when you buy too much house, Dealing with credit checks and potential identify theft, How getting out of debt can save your marriage,...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  the Borrowed Future documentary with guest A’Mari Simmons,
 What to do when you buy too much house,
 Dealing with credit checks and potential identify theft,
 How getting out of debt can save your marriage,
 When to make the jump to a new career.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>the <em>Borrowed Future</em> documentary with guest A’Mari Simmons,</li> <li>What to do when you buy too much house,</li> <li>Dealing with credit checks and potential identify theft,</li> <li>How getting out of debt can save your marriage,</li> <li>When to make the jump to a new career.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3e415bc5-3a6d-4fb0-b96f-9cfd07d62745]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5900557962.mp3?updated=1655907483" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can We Afford to Cash Flow College? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02212022-hour1</link>
      <description>Dave Ramsey &amp; Dr. John Delony discuss:
  Should you sell property to get out of debt more quickly?
 How to use an adoption tax credit,
 Cash-flowing college tuition,
 &amp; Dave fact-checks Delony's Star Wars knowledge.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</description>
      <pubDate>Mon, 21 Feb 2022 20:19:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19fe4476-f22e-11ec-b8fd-4f8762bb4384/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony discuss:  Should you sell property to get out of debt more quickly? How to use an adoption tax credit, Cash-flowing college tuition, &amp; Dave fact-checks Delony's Star Wars knowledge.  Want a plan for your money?...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony discuss:
  Should you sell property to get out of debt more quickly?
 How to use an adoption tax credit,
 Cash-flowing college tuition,
 &amp; Dave fact-checks Delony's Star Wars knowledge.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony discuss:</p> <ul> <li>Should you sell property to get out of debt more quickly?</li> <li>How to use an adoption tax credit,</li> <li>Cash-flowing college tuition,</li> <li>&amp; Dave fact-checks Delony's Star Wars knowledge.</li> </ul> <p>Want a plan for your money? Find out where to start: <a href="https://bit.ly/3nInETX">https://bit.ly/3nInETX</a></p> <p>Listen to all The Ramsey Network podcasts: <a href="https://bit.ly/3GxiXm6">https://bit.ly/3GxiXm6</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8fb0f2a2-caa6-4b9a-9c94-ed5cb5f878f1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2991247816.mp3?updated=1655907483" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Truth About College Degree ROI (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02182022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Feb 2022 22:19:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1a579f08-f22e-11ec-b8fd-bfa7fba9305b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6bfe287b-2c34-4b90-88b9-931d208696ee]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7621494015.mp3?updated=1655907484" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Renting vs. Buying a Home Before Getting Married (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02182022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Feb 2022 21:19:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1ab143be-f22e-11ec-b8fd-af32feab439d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3ffa7c2f-7836-49e2-a072-4c2a13187bc5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8555442008.mp3?updated=1655907485" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your #1 Wealth Building Tool Is Your Income (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02182022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Feb 2022 20:19:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b138d6c-f22e-11ec-b8fd-574ff96acb77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6babd29f-6d7c-4bed-bc2e-4d929a03c45c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6245243847.mp3?updated=1655907485" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Just Ordered a Tesla and Realized That Was Dumb (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02172022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Feb 2022 22:19:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b68fe78-f22e-11ec-b8fd-cb9c84922317/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[920654a8-985c-41a9-bfae-7285c2334a8c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8328106164.mp3?updated=1655907486" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Justifying Your Business Debt! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02172022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Feb 2022 21:19:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1bc06a50-f22e-11ec-b8fd-fbcd48b9e60b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[676b440d-e0d2-467e-98e0-2f239232fad3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7043629134.mp3?updated=1655907486" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Do NOT Adjust Your Life for Your Girlfriend (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02172022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Feb 2022 20:19:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c194346-f22e-11ec-b8fd-9ffbf0620762/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8c61e250-cfc8-42e8-b1fa-6f2fb9495ef6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7446657862.mp3?updated=1655907487" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Budgeting on an Irregular Income (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02162022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Feb 2022 22:19:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c6eb894-f22e-11ec-b8fd-5f671fd7507e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8780b283-4126-43e5-9912-39461bb25d94]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3354232162.mp3?updated=1655907487" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Deal With Shady Debt Consolidators (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02162022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Feb 2022 21:19:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e4a0f60-f22e-11ec-b8fd-9fdd49fc0bd6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36340545-9618-4eef-b7f9-52ed7e70fceb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9376997606.mp3?updated=1655907488" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Avoiding the Trap of Enabling Toxic Family Members (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02162022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Feb 2022 20:19:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/210a6b32-f22e-11ec-b8fd-8f0f8383f510/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[237a15e6-f624-4c01-b182-484084d4d72d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9577217561.mp3?updated=1655907488" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I've Built Wealth But I'm Still a Tightwad (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02152022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Feb 2022 22:19:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2387e04c-f22e-11ec-b8fd-130ba117a727/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b93e0578-e3be-43d7-be6e-0d5ed5569ac4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4159538121.mp3?updated=1655907489" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sign a Prenup? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02152022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Feb 2022 21:19:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/246147e2-f22e-11ec-b8fd-4b8ac99c114b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[126b4566-476d-4b9b-8e26-c209b5de4e31]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1475035041.mp3?updated=1655910942" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Girlfriend Thinks I’m Dumb for Not Having a Credit Card (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02152022-hour1</link>
      <description>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Feb 2022 20:19:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24db118a-f22e-11ec-b8fd-cf3ea13bb230/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>I Need Help Leaving an Abusive Relationship (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02142022-hour3</link>
      <description>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Feb 2022 22:19:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25313b6e-f22e-11ec-b8fd-5b5a3197dec6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3d3e5ef6-715c-4650-9b78-03f261633a04]]></guid>
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    </item>
    <item>
      <title>Can I Afford To Buy a New Car in Baby Step 7? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02142022-hour2</link>
      <description>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Feb 2022 21:19:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/258a07da-f22e-11ec-b8fd-1b3f5708ea29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3b740871-442a-4272-ae07-104a2eaf5500]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7495950182.mp3?updated=1655907491" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don’t Sacrifice the Future on the Altar of the Immediate (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02142022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Feb 2022 20:19:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25e1781c-f22e-11ec-b8fd-1f3bfe417659/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ff1d55b0-faf2-47f3-af48-0edf8715b566]]></guid>
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    </item>
    <item>
      <title>We’re Deeply in Debt but My Husband Keeps Buying Toys (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02112022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Feb 2022 22:19:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26393372-f22e-11ec-b8fd-d37b30904266/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2453</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3e602cf7-2186-4033-8430-763d3b625e5d]]></guid>
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    </item>
    <item>
      <title>You Can Overcome Shame &amp; Change Your Family Tree! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02112022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Feb 2022 21:19:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/268e8a3e-f22e-11ec-b8fd-d7078a5a973d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2450</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[87fc10f9-ffda-4819-ad43-7369aaa798ce]]></guid>
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    </item>
    <item>
      <title>Can We Slow Down After Baby Step 3? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02112022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Feb 2022 20:19:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26e3deb2-f22e-11ec-b8fd-1f0ca2e299c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2421</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[799cd5b0-1d93-4fa8-bc3f-644448a34cf4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8630525866.mp3?updated=1655907494" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Americans Will Bet Over $7 Billion on the Super Bowl (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02102022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Feb 2022 22:19:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2738a37a-f22e-11ec-b8fd-87987c0cc1a1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[66141570-2525-4b59-ae55-266e7b4af52f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9830160950.mp3?updated=1655907494" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Use a HELOC To Remodel the House? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02102022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Feb 2022 21:19:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/278e6486-f22e-11ec-b8fd-67f8d1abc4ec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c276faf5-4843-4cc6-a6d7-a360c21c71bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9828185753.mp3?updated=1655907495" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Really Possible To Go to Medical School Debt-Free? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02102022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Feb 2022 20:19:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/27e40a44-f22e-11ec-b8fd-076ffff131a6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Rachel Cruze</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3318164088.mp3?updated=1655907495" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"Greedy Rich People": Dolly Parton Pays For College Tuition (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02092022-hour3</link>
      <description>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Feb 2022 22:19:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/283aa4ee-f22e-11ec-b8fd-0f448ac99f37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; George Kamel
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; George Kamel</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5ce3a65b-dcc3-4027-9d4d-f769a6899d1f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2523284312.mp3?updated=1655907496" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's PERSONAL Finance... Sometimes Sentimentality Matters (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02092022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Feb 2022 21:19:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/28903828-f22e-11ec-b8fd-87dc56a88c98/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[208975b3-80f4-4674-a5ef-cabb54975543]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7859665498.mp3?updated=1655907496" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Deal With Family Drama Around My Dad’s Estate? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02092022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Feb 2022 20:19:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/28f2344c-f22e-11ec-b8fd-839b7d2c8360/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; George Kamel</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[445543c6-9002-41b5-b485-2e36a3b861bf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4947215515.mp3?updated=1655907497" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should My Church Accept Money From People in the Marijuana Industry? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02082022-hour3</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Feb 2022 22:19:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/297391cc-f22e-11ec-b8fd-13328a7f3aa9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d0f2d2ff-d1f0-4909-890c-c4d307265f96]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5492668247.mp3?updated=1655907497" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do My Husband and I Get on the Same Page Financially? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02082022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Feb 2022 21:19:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29e596d2-f22e-11ec-b8fd-9bdc46112bfc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[54d4da17-f7bf-42df-acb8-6b8b486192fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1740219729.mp3?updated=1655907498" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Planning Your Impulsiveness Is Key to Becoming Debt-Free (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02082022-hour1</link>
      <description>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Feb 2022 20:18:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a4242ba-f22e-11ec-b8fd-cbb6fe013a77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Ken Coleman As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Ken Coleman
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Ken Coleman</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ebb245f1-4295-46b0-9083-67d46dc913c3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3444404986.mp3?updated=1655907498" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pay Off My New Husband’s Debt? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02072022-hour3</link>
      <description>Dave Ramsey &amp; Dr. John Delony
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Feb 2022 22:18:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a985ede-f22e-11ec-b8fd-239cee23ca5c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Dave Ramsey &amp; Dr. John Delony
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Ramsey &amp; Dr. John Delony</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4dc20d68-8940-466e-99ab-7a809a3241da]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8110750804.mp3?updated=1655907499" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Kids Aren’t the Epicenter of the House! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02072022-hour2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Feb 2022 21:18:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2aee06e0-f22e-11ec-b8fd-bf734eb5d388/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Invest 15% While Also Saving for a New Car? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02072022-hour1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Feb 2022 20:20:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b43c7d8-f22e-11ec-b8fd-17ddf2c909e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey &amp; Dr. John Delony</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>No, You Don’t Need a Credit Card To Survive (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02042022-hour3</link>
      <description>Budgeting, Career, Debt, Saving, Home Selling, Insurance, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Feb 2022 22:18:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b99d22c-f22e-11ec-b8fd-97d451e2ea97/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Debt, Saving, Home Selling, Insurance, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide...</itunes:subtitle>
      <itunes:summary>Budgeting, Career, Debt, Saving, Home Selling, Insurance, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Career, Debt, Saving, Home Selling, Insurance, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Help Me Decide: Starter Home vs. Forever Home (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02042022-hour2</link>
      <description>Home Buying, Education, Debt, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Feb 2022 21:18:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bf09b34-f22e-11ec-b8fd-cff226fcef61/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Education, Debt, Budgeting, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Home Buying, Education, Debt, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Education, Debt, Budgeting, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Encourage My Fiancé To Be More Goal-Oriented? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02042022-hour1</link>
      <description>Investing, Retirement, Career, Home Buying, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Feb 2022 20:18:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c466244-f22e-11ec-b8fd-6be412e91b22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Career, Home Buying, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Career, Home Buying, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Career, Home Buying, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Here’s What You Can Actually Do About Inflation (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02032022-hour3</link>
      <description>Career, Relationships, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Feb 2022 22:18:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c9bf600-f22e-11ec-b8fd-0b6bf6326eb3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Career, Relationships, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Use My 401k To Pay Off Debt? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02032022-hour2</link>
      <description>Debt, Home Selling, Home Buying, Career, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Feb 2022 21:18:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2cf1cdc8-f22e-11ec-b8fd-e3464d9bddc3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Home Buying, Career, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Home Buying, Career, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Home Buying, Career, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much House Can We Really Afford? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02032022-hour1</link>
      <description>Home Selling, Debt, Home Buying, Education, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Feb 2022 20:18:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2d47fad6-f22e-11ec-b8fd-e3e2396e7a8b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Home Buying, Education, Career, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Home Buying, Education, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Home Buying, Education, Career, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>When Should You Share Your Income While Dating? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02022022-hour3</link>
      <description>Career, Debt, Education, Relationships, Investing, Home Buying, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Feb 2022 22:18:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2d9ee864-f22e-11ec-b8fd-a3adcc2e974a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Education, Relationships, Investing, Home Buying, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide...</itunes:subtitle>
      <itunes:summary>Career, Debt, Education, Relationships, Investing, Home Buying, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Education, Relationships, Investing, Home Buying, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
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    <item>
      <title>Debt Holds You Back From Opportunity (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02022022-hour2</link>
      <description>Career, Home Selling, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Feb 2022 21:18:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2dfc8884-f22e-11ec-b8fd-8b667ffed8e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Selling, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Home Selling, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Selling, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Does It Make Sense To Take a Lower Paying Job? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02022022-hour1</link>
      <description>Career, Saving, Debt, Home Buying, Insurance, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Feb 2022 20:18:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2e539b88-f22e-11ec-b8fd-bb8823a62d8c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Saving, Debt, Home Buying, Insurance, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Career, Saving, Debt, Home Buying, Insurance, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Saving, Debt, Home Buying, Insurance, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Lost My Job and I Don’t Know What To Do Next (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02012022-hour3</link>
      <description>Relationships, Debt, Career, Saving, Home Selling, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Feb 2022 22:18:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2ea9bf4a-f22e-11ec-b8fd-ff1877269495/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career, Saving, Home Selling, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Saving, Home Selling, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career, Saving, Home Selling, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Help Me See the Light at the End of the Tunnel (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02012022-hour2</link>
      <description>Relationships, Career, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Feb 2022 21:18:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30c1c3cc-f22e-11ec-b8fd-f316ff31ed30/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Saving, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Saving, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Baby Steps WORK No Matter Your Life Situation (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-02012022-hour1</link>
      <description>Debt, Taxes, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Feb 2022 20:18:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/322b3cca-f22e-11ec-b8fd-fbea21284b54/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Relationships, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Relationships, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Job That Violates My Non-Compete? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01312022-hour3</link>
      <description>Career, Education, Debt, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 Jan 2022 22:18:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3281124e-f22e-11ec-b8fd-37bb4ef045ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Debt, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Career, Education, Debt, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Debt, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>I’m Saving Money but Not Sure What To Do With It (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01312022-hour2</link>
      <description>Saving, Investing, Retirement, Career, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 Jan 2022 21:18:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/32dc84e4-f22e-11ec-b8fd-7f45ef4dd5ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Investing, Retirement, Career, Home Buying, Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Saving, Investing, Retirement, Career, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Investing, Retirement, Career, Home Buying, Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5095246188.mp3?updated=1655907509" length="0" type="audio/mpeg"/>
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    <item>
      <title>DELONY RANT: Be Your Kid’s Parent, Not Their Friend! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01312022-hour1</link>
      <description>Home Selling, Home Buying, Relationships, Debt, Saving, Career, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 Jan 2022 20:18:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3353b302-f22e-11ec-b8fd-b78d8dfecfb2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Home Buying, Relationships, Debt, Saving, Career, Retirement, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup: ...</itunes:subtitle>
      <itunes:summary>Home Selling, Home Buying, Relationships, Debt, Saving, Career, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Home Buying, Relationships, Debt, Saving, Career, Retirement, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Be Generous to Family Without Enabling? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01282022-hour3</link>
      <description>Home Buying, Relationships, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 Jan 2022 22:15:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/33aad060-f22e-11ec-b8fd-87560e2a820f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancée and I Are Not on the Same Page (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01282022-hour2</link>
      <description>Career, Education, Saving, Investing, Retirement, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 Jan 2022 21:15:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34038070-f22e-11ec-b8fd-5b1c558a3de7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Saving, Investing, Retirement, Debt, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide...</itunes:subtitle>
      <itunes:summary>Career, Education, Saving, Investing, Retirement, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Saving, Investing, Retirement, Debt, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2453</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Move On After an Abusive Relationship? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01282022-hour1</link>
      <description>Relationships, Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 Jan 2022 20:17:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/348790ae-f22e-11ec-b8fd-5fec02f8a846/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2449</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Intellectual Dishonesty Around the Student Loan Crisis (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01272022-hour3</link>
      <description>Debt, Education, Home Buying, Saving, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 Jan 2022 22:15:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34dfbc84-f22e-11ec-b8fd-cb4802f1dcee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Buying, Saving, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Education, Home Buying, Saving, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Buying, Saving, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5454cd5d-12c3-4582-b047-7ee85358d66b]]></guid>
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    <item>
      <title>What’s the Best Way To Teach Kids About Money? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01272022-hour2</link>
      <description>Debt, Saving, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 Jan 2022 21:15:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3536bfac-f22e-11ec-b8fd-6f5794f2f803/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Investing, Retirement, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Investing, Retirement, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Business Debt Is STILL Debt... Pay It Off! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01272022-hour1</link>
      <description>Home Buying, Saving, Debt, Taxes, Retirement, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 Jan 2022 20:17:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35ac9e02-f22e-11ec-b8fd-bf4a31d86bb2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Saving, Debt, Taxes, Retirement, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Saving, Debt, Taxes, Retirement, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Saving, Debt, Taxes, Retirement, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Want To Buy a $50,000 Car To Save Money (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01262022-hour3</link>
      <description>Debt, Relationships, Saving, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 Jan 2022 22:15:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36044c74-f22e-11ec-b8fd-97c763667a74/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Saving, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Saving, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Saving, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do NOT Go Into Debt for a Depreciating Asset (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01262022-hour2</link>
      <description>Debt, Saving, Investing, Retirement, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 Jan 2022 21:15:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/365f9fca-f22e-11ec-b8fd-9702f5417a10/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Investing, Retirement, Education, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Investing, Retirement, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Investing, Retirement, Education, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
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    <item>
      <title>Say "No" Right Now so You Can Say "Yes" Later! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01262022-hour1</link>
      <description>Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 Jan 2022 20:17:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36b59eac-f22e-11ec-b8fd-87ce75e7187b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Anyone Can Become a Millionaire! Here’s How… (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01252022-hour3</link>
      <description>Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 Jan 2022 22:14:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/370c9aae-f22e-11ec-b8fd-f349800d3711/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Sports Betting Isn’t Cute, It’s DANGEROUS (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01252022-hour2</link>
      <description>Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 Jan 2022 21:15:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3764d232-f22e-11ec-b8fd-8f52d7a711ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8abe480a-ad60-425a-8630-e8721d644c9d]]></guid>
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    </item>
    <item>
      <title>"Greedy Rich People": Mark Cuban's New Low-Cost Pharmacy (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01252022-hour1</link>
      <description>Debt, Education, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 Jan 2022 20:17:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/37bbaaee-f22e-11ec-b8fd-d7256a6bceca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Education, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>I’m Dealing With Financial Abuse in My Marriage (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01242022-hour3</link>
      <description>Relationships, Budgeting, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 Jan 2022 22:15:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/381b1060-f22e-11ec-b8fd-e7638707ecfa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Budgeting, Investing, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Relationships, Budgeting, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Budgeting, Investing, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Niece Is Being a Princess About Picking a College (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01242022-hour2</link>
      <description>Education, Home Buying, Debt, Investing, Retirement, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 Jan 2022 21:14:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/387be75a-f22e-11ec-b8fd-473d0320a5f2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Home Buying, Debt, Investing, Retirement, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Education, Home Buying, Debt, Investing, Retirement, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Home Buying, Debt, Investing, Retirement, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You Can Shovel Your Way Out of Any Financial Mess! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01242022-hour1</link>
      <description>Debt, Budgeting, Education, Taxes, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 Jan 2022 20:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/38d24816-f22e-11ec-b8fd-8b0703cdcae7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Education, Taxes, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Education, Taxes, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Education, Taxes, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Bonus Episode: Building Wealth Live Event ft. Dave Ramsey, George Kamel &amp; Rachel Cruze</title>
      <link>http://draudioarchives.libsyn.com/bonus-episode-building-wealth-live-event-ft-dave-ramsey-george-kamel-rachel-cruze</link>
      <description>Dave, George &amp; Rachel walk you through the fastest, right way to build wealth in 2022. They’ll hit hot topics you may have questions on, from crypto to zero down real estate to how to handle inflation. Listen and learn to set your 2022 up for financial success.
 Try a 14 Day FREE trial of Ramsey+ and learn the proven plan to get out of debt and build wealth through Financial Peace University: https://bit.ly/3Kt76bA</description>
      <pubDate>Fri, 21 Jan 2022 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3960359a-f22e-11ec-b8fd-276aa538246a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave, George &amp; Rachel walk you through the fastest, right way to build wealth in 2022. They’ll hit hot topics you may have questions on, from crypto to zero down real estate to how to handle inflation. Listen and learn to set your 2022 up for...</itunes:subtitle>
      <itunes:summary>Dave, George &amp; Rachel walk you through the fastest, right way to build wealth in 2022. They’ll hit hot topics you may have questions on, from crypto to zero down real estate to how to handle inflation. Listen and learn to set your 2022 up for financial success.
 Try a 14 Day FREE trial of Ramsey+ and learn the proven plan to get out of debt and build wealth through Financial Peace University: https://bit.ly/3Kt76bA</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave, George &amp; Rachel walk you through the fastest, right way to build wealth in 2022. They’ll hit hot topics you may have questions on, from crypto to zero down real estate to how to handle inflation. Listen and learn to set your 2022 up for financial success.</p> <p>Try a 14 Day FREE trial of Ramsey+ and learn the proven plan to get out of debt and build wealth through Financial Peace University: <a href="https://bit.ly/3Kt76bA">https://bit.ly/3Kt76bA</a></p>]]>
      </content:encoded>
      <itunes:duration>5259</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Break Up With My YOLO-Minded Boyfriend? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01212022-hour3</link>
      <description>Debt, Home Selling, Relationships, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 Jan 2022 22:19:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/39c19524-f22e-11ec-b8fd-53e0b366f932/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Relationships, Saving, Budgeting</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Relationships, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Relationships, Saving, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My Mom Took Out 5 Credit Cards in My Name...What Do I Do? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01212022-hour2</link>
      <description>Debt, Saving, Home Buying, Budgeting, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 Jan 2022 21:19:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a29060a-f22e-11ec-b8fd-a31962c58a2f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Home Buying, Budgeting, Education, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Saving, Home Buying, Budgeting, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Home Buying, Budgeting, Education, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Bought a Truck and Rode the Bus Straight to Entitlement! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01212022-hour1</link>
      <description>Debt, Career, Relationships, Insurance, Saving, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 Jan 2022 20:17:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a878f18-f22e-11ec-b8fd-835c596577c9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Insurance, Saving, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Insurance, Saving, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Insurance, Saving, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>The Best Investment You Can Make Is in Yourself (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01202022-hour3</link>
      <description>Debt, Relationships, Insurance, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 Jan 2022 22:19:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3add1456-f22e-11ec-b8fd-0b3fda8b909c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Insurance, Budgeting, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Insurance, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Insurance, Budgeting, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>What’s the Best Way To Give Financial Gifts to Our Kids? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01202022-hour2</link>
      <description>Taxes, Education, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 Jan 2022 21:19:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3b6525da-f22e-11ec-b8fd-87b18e52ba03/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Education, Debt, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Taxes, Education, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Education, Debt, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Do a Backdoor Roth Conversion While I Still Can? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01202022-hour1</link>
      <description>Insurance, Debt, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 Jan 2022 20:17:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3bbcd1c2-f22e-11ec-b8fd-a7b82c32c4f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Insurance, Debt, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Picking Up the Pieces After a Tragedy (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01192022-hour3</link>
      <description>Debt, Taxes, Budgeting, Home Selling, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 Jan 2022 22:19:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c14ca9e-f22e-11ec-b8fd-3fa062fb9e2c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Budgeting, Home Selling, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Budgeting, Home Selling, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Budgeting, Home Selling, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Financial Peace Is an Attitude, Not an Amount (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/the-ramsey-show-01192022-hour2</link>
      <description>Career, Debt, Saving, Education, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 Jan 2022 21:19:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c81912e-f22e-11ec-b8fd-97a35f9dfb1b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Saving, Education, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Career, Debt, Saving, Education, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Saving, Education, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2423</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Quit Chasing Your Credit Score...It's Bogus! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01192022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Saving, Retirement, Investing, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 Jan 2022 20:17:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3cd88a38-f22e-11ec-b8fd-9bc5420d03b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Saving, Retirement, Investing, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Saving, Retirement, Investing, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Saving, Retirement, Investing, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Going to a Famous School Does NOT Equal Success! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 Jan 2022 22:19:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d370414-f22e-11ec-b8fd-dfa19723a0b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Save and Give, but Don’t Forget to ENJOY Your Money Too (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Debt, Home Buying, Home Selling, Budgeting, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 Jan 2022 21:19:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d8df09e-f22e-11ec-b8fd-abc64de3ea56/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying, Home Selling, Budgeting, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying, Home Selling, Budgeting, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Home Buying, Home Selling, Budgeting, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Work Like No One Else So Later You Can Work Like No One Else (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 Jan 2022 20:17:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3de3a066-f22e-11ec-b8fd-afe921ea15d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Home Buying, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Housing Market Is Crazy... What Should We Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Education, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 Jan 2022 22:19:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3e3970a4-f22e-11ec-b8fd-87a1bb08e066/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Education, Relationships, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Education, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Education, Relationships, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Normal SUCKS…Don’t Be Afraid To Be Weird! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Saving, Relationships, Debt, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 Jan 2022 21:19:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f114da8-f22e-11ec-b8fd-e7255b359807/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Relationships, Debt, Education, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Saving, Relationships, Debt, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Relationships, Debt, Education, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Walmart, NFTs, the Metaverse, &amp; Virtual Pigs (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Debt, Insurance, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 Jan 2022 20:17:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f6d9054-f22e-11ec-b8fd-ff823b2e88b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Insurance, Home Buying, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Insurance, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Insurance, Home Buying, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
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      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Sacrifice NOW so You Can Enjoy Your Money LATER (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Saving, Education, Career, Debt, Taxes, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 Jan 2022 22:19:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3fdbc880-f22e-11ec-b8fd-bb3dfe5744d8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Education, Career, Debt, Taxes, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Saving, Education, Career, Debt, Taxes, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Education, Career, Debt, Taxes, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Shanae Hustled Her Way Out of Almost $100K in Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Investing, Retirement, Home Selling, Debt, Education, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 Jan 2022 21:19:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/403153e0-f22e-11ec-b8fd-9bda8d68e9b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Investing, Retirement, Home Selling, Debt, Education, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Home Buying, Investing, Retirement, Home Selling, Debt, Education, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Investing, Retirement, Home Selling, Debt, Education, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
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      <itunes:duration>2425</itunes:duration>
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    <item>
      <title>My Husband &amp; I Disagree on Paying Off Our Student Loans (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Education, Relationships, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 Jan 2022 20:16:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/408ba14c-f22e-11ec-b8fd-074a1aacc8b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Education, Relationships, Saving, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Education, Relationships, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Education, Relationships, Saving, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>“Greedy Rich People” – Myths vs. Reality (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Career, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 13 Jan 2022 22:19:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/40e0ca6e-f22e-11ec-b8fd-63445ea06d4d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Career, Debt, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Career, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Career, Debt, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Spontaneous Giving Is the Most Fun You Can Have With Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Education, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 13 Jan 2022 21:24:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/41366974-f22e-11ec-b8fd-2fa9b63c62fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Education, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Education, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Education, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Navient Pays for Predatory Lending (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Investing, Insurance, Home Buying, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 13 Jan 2022 20:16:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/418cc170-f22e-11ec-b8fd-fff8d91e4df9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Investing, Insurance, Home Buying, Home Selling, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Education, Investing, Insurance, Home Buying, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Investing, Insurance, Home Buying, Home Selling, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>George Kamel Does His Debt-Free Scream! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Saving, Education, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 Jan 2022 22:19:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/41e2243a-f22e-11ec-b8fd-5b46afc2f86a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Saving, Education, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Saving, Education, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Saving, Education, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband and I Disagree on the Budget (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt, Education, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 Jan 2022 21:19:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4250fa9a-f22e-11ec-b8fd-93fa4175f0c6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Education, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Education, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Education, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Pat Lencioni on the Six Types of Working Genius (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Leadership, Career, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 Jan 2022 20:16:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/42a7d5ae-f22e-11ec-b8fd-6fa4eb34ea6b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Leadership, Career, Debt, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Leadership, Career, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Leadership, Career, Debt, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Want To Pay Off My Student Loans. Where Do I Start? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Retirement, Home Selling, Debt, Education, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 Jan 2022 22:19:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/42ff5c3e-f22e-11ec-b8fd-67a2924b2471/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Home Selling, Debt, Education, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Home Selling, Debt, Education, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Home Selling, Debt, Education, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>From $6.75/Hr to Baby Steps Millionaires &amp; They’re Debt Free! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Investing, Retirement, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 Jan 2022 21:19:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/43d7de42-f22e-11ec-b8fd-2bc2defd204f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Investing, Retirement, Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Home Buying, Investing, Retirement, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Investing, Retirement, Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Boyfriend is a Trust Fund Baby (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 Jan 2022 20:18:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/442d800e-f22e-11ec-b8fd-bb70eab4de15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Relationships, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Family Is Pressuring Me To Buy a House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Career, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 Jan 2022 22:18:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44861502-f22e-11ec-b8fd-8fb1fe39ae08/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Career, Education, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Career, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Career, Education, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2452</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Intentional Work Is a Form of Stewarding Your Life (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Retirement, Career, Debt, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 Jan 2022 21:18:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44db3104-f22e-11ec-b8fd-07ef3d2101aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Career, Debt, Budgeting, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Career, Debt, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Career, Debt, Budgeting, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2451</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get on the Same Page With Money &amp; Improve Your Marriage (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Investing, Home Buying, Home Selling, Insurance, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 Jan 2022 20:18:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45317d2a-f22e-11ec-b8fd-ff3e4f849800/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Home Buying, Home Selling, Insurance, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Home Buying, Home Selling, Insurance, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Home Buying, Home Selling, Insurance, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When’s the Right Time To Tell Our Kids We’re Millionaires? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Retirement, Taxes, Education, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 Jan 2022 22:18:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45865796-f22e-11ec-b8fd-7b6c9fcdc818/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Taxes, Education, Debt, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Taxes, Education, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Taxes, Education, Debt, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
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    <item>
      <title>The Best Way To Get Rich Quick Is To Get Rich SLOW (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Career, Relationships, Investing, Retirement, Insurance, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 Jan 2022 21:18:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45e664c4-f22e-11ec-b8fd-0723a9588a18/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Relationships, Investing, Retirement, Insurance, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup: ...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Relationships, Investing, Retirement, Insurance, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Relationships, Investing, Retirement, Insurance, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2452</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>John &amp; Ashley Make Sacrifies &amp; Pay Off $209K in 4 Years! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Retirement, Career, Debt, Home Buying, Home Selling, Education, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 Jan 2022 20:18:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/467b2c08-f22e-11ec-b8fd-3bd1e498d0dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Career, Debt, Home Buying, Home Selling, Education, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Career, Debt, Home Buying, Home Selling, Education, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Career, Debt, Home Buying, Home Selling, Education, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2453</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pay for My Kids’ College or Make Them Pay for It? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 Jan 2022 22:18:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46e1dafc-f22e-11ec-b8fd-8356e67a1c8a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Home Buying, Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Education, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Home Buying, Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You CAN Win With Money, and It’s Worth All the Hard Work! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Education, Relationships, Home Selling, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 Jan 2022 21:19:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/473cf3f6-f22e-11ec-b8fd-77b965652026/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Education, Relationships, Home Selling, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Education, Relationships, Home Selling, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Education, Relationships, Home Selling, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2428</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Stay in Storm Mode or Pay Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Investing, Retirement, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 Jan 2022 20:18:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4795848a-f22e-11ec-b8fd-0b165f45d651/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Investing, Retirement, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Investing, Retirement, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Investing, Retirement, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Care for Our Aging Parents Financially? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Relationships, Retirement, Investing, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 Jan 2022 22:17:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47ebeb0e-f22e-11ec-b8fd-575267214651/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Relationships, Retirement, Investing, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Selling, Relationships, Retirement, Investing, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Relationships, Retirement, Investing, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Outsourcing Your Life &amp; Start Living It (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 Jan 2022 21:18:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48423310-f22e-11ec-b8fd-8beea2c58515/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Home Buying, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Home Buying, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2449</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Best Save for an Early Retirement? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 Jan 2022 20:18:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48a8477c-f22e-11ec-b8fd-7776cfa82adb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Retirement, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Retirement, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Time Is Precious, Don't Waste It with Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing, Retirement, Saving, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 Jan 2022 22:17:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/491f9a16-f22e-11ec-b8fd-23541ca9122a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Retirement, Saving, Education, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Retirement, Saving, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Retirement, Saving, Education, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Your Accountant Is a Moron! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Taxes, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 Jan 2022 21:18:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4975c242-f22e-11ec-b8fd-c747919bf762/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Taxes, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Boss Left Me an Inheritance of $1.2 Million! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 Jan 2022 20:18:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49cbae6e-f22e-11ec-b8fd-4316dfac1532/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[29b8caa5-8ad8-4f91-ba84-e2ef61264826]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4399064610.mp3?updated=1655907539" length="0" type="audio/mpeg"/>
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    <item>
      <title>YOLO Is Not a Plan…Have a Clear Vision for Your Future! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032022_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 Jan 2022 22:17:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a283094-f22e-11ec-b8fd-cbae5448f57f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1948658334.mp3?updated=1655907540" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Baby Steps Are the Proven KEY to Building Wealth (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032022_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Saving, Investing, Debt, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 Jan 2022 21:18:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a7f377c-f22e-11ec-b8fd-8b85ce4e8fe3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Investing, Debt, Career, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Saving, Investing, Debt, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Investing, Debt, Career, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fdf5a74f-ed18-46d3-8932-2d83d08c64af]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3780667678.mp3?updated=1655907540" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is It Ethical To Raise the Rates on My Rental Properties? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032022_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Debt, Home Selling, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 Jan 2022 20:18:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ad80c4e-f22e-11ec-b8fd-7bb3d95c93e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Home Selling, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Home Selling, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Home Selling, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cc488eab-cc81-472f-b25d-b94b8954227a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9673881763.mp3?updated=1655907541" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>A Powerful Debt-Free Scream From a Single Mother (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/a-powerful-debt-free-scream-from-a-single-mother-hour-3</link>
      <description>Debt, Insurance, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 31 Dec 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b30f76e-f22e-11ec-b8fd-870a690c063d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Business</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6841e82c-6469-4ea0-ae2b-bb37fcbed668]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9765986474.mp3?updated=1655907541" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We're Having Issues With Husband's Military Survivor Benefit (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/were-having-issues-with-husbands-military-survivor-benefit-hour-2</link>
      <description>Debt, Career, Insurance, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 31 Dec 2021 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b888c22-f22e-11ec-b8fd-4b229c0890fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance, Saving</itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[31cf9c53-a317-4db0-b48b-bca256e15f33]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3499903815.mp3?updated=1655907542" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>This Season Is WHERE You Are - Not WHO You Are! (Hour 1) </title>
      <link>http://draudioarchives.libsyn.com/this-season-is-where-you-are-not-who-you-are-hour-1</link>
      <description>Debt, Career, Relationships, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Fri, 31 Dec 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4be0006a-f22e-11ec-b8fd-bf3fcf4039e2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Business</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2c7725d1-b576-4977-9460-9b9c5d5000cf]]></guid>
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    </item>
    <item>
      <title>I Did Stupid on Steroids! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </description>
      <pubDate>Thu, 30 Dec 2021 22:17:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c36a38e-f22e-11ec-b8fd-c7c34f976e20/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Insurance</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[046385ab-e2be-41ce-8f2f-c8d1e72cdcbd]]></guid>
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    </item>
    <item>
      <title>My Parents Are Cancelling My Car Insurance (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Thu, 30 Dec 2021 21:18:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c9726e6-f22e-11ec-b8fd-d7059bf910b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b8d6a1df-b429-45e2-a7e1-a72251ecfa70]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3202576505.mp3?updated=1655907543" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Use the Proceeds From a Farm Sale? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Retirement, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Thu, 30 Dec 2021 20:17:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cee8152-f22e-11ec-b8fd-4f5c648a384c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Relationships, Budgeting</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Relationships, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3d954cac-e748-43b6-ae6d-8520e10dadb4]]></guid>
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    </item>
    <item>
      <title>Should I Get a Second Job To Beef Up Retirement? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships, Career, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Wed, 29 Dec 2021 22:16:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4d4f6562-f22e-11ec-b8fd-f34b40f4b75f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Career, Investing, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Career, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Career, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[875b1cfb-3137-44fc-a25c-e0fdd1e69e34]]></guid>
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    </item>
    <item>
      <title>Our 21-Year-Old Daughter Needs Guidance (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 29 Dec 2021 21:17:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4db56e70-f22e-11ec-b8fd-47c0fb1bb4a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[96eb9943-19d6-4464-bbc0-2c6cfeb66c4e]]></guid>
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    </item>
    <item>
      <title>How Much Should We Be Spending on a New House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 29 Dec 2021 20:18:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4e4e8fe2-f22e-11ec-b8fd-a30b691a6680/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Budgeting, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aa3bde12-a40e-47ff-99b5-b16aa997bd92]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2455810948.mp3?updated=1655907546" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Balance Being a Workaholic and Paying Off Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Dec 2021 22:16:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ea51d94-f22e-11ec-b8fd-a775785bdee9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[40e5fef8-0dd9-4ba2-9ee4-54d7aa49f85f]]></guid>
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    </item>
    <item>
      <title>Should I Sell My Mom's House? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Dec 2021 21:17:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4efd41e0-f22e-11ec-b8fd-1300f8346200/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6574f843-6897-4c0a-a487-dd52480c3d57]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2066983768.mp3?updated=1655907547" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband and I Have a $6 Million Portfolio and Disagree About a Rental (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Dec 2021 20:18:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4f931c56-f22e-11ec-b8fd-2fa9536f1afd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Budgeting, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Business, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Budgeting, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[caf28c1d-57bd-4cbb-91b5-4ce3ae881d89]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6293557275.mp3?updated=1655907547" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Scrambled the Baby Steps and Am Prepared To Be Yelled At (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 27 Dec 2021 22:17:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4fe83344-f22e-11ec-b8fd-b7c19d797ea7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44699e2a-6b90-4c45-9976-ce6c4f1b1baf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9816050680.mp3?updated=1655907548" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Get My Husband to Agree To Budget? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </description>
      <pubDate>Mon, 27 Dec 2021 21:17:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/503f8144-f22e-11ec-b8fd-5b32dd129b0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Budgeting, Insurance</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Budgeting, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f740009d-2e07-4b53-ad57-f0d300e0e6f0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2316364500.mp3?updated=1655907548" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Pause Baby Step 4 to Cashflow College? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 27 Dec 2021 20:17:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5097e438-f22e-11ec-b8fd-333af412e7bf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c872c6dc-ad18-4e8c-a5c8-f656008911bc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7566951500.mp3?updated=1655907549" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Change My Career Trajectory? (Hour 3) </title>
      <link>http://draudioarchives.libsyn.com/should-i-change-my-career-trajectory-hour-3</link>
      <description>Debt, Career, Taxes, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Dec 2021 23:20:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/50efa4ca-f22e-11ec-b8fd-3721e97b066e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Taxes, Budgeting</itunes:subtitle>
      <itunes:summary>Debt, Career, Taxes, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Taxes, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e58bd8f8-7dda-467e-9e0f-1d18992c582f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5222657028.mp3?updated=1655907549" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Find Temporary Employment? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-can-i-find-temporary-employment-hour-2</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Dec 2021 23:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5154452e-f22e-11ec-b8fd-3f9bc702373b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8400829481.mp3?updated=1655907550" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Help My Husband Stop Worrying About Every Penny? (Hour 1) </title>
      <link>http://draudioarchives.libsyn.com/how-can-i-help-my-husband-stop-worrying-about-every-penny-hour-1</link>
      <description>Debt, Relationships, Investing, Business, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Dec 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51ac25fa-f22e-11ec-b8fd-9797884e66bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Business, Career</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Business, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Business, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2c18d2ad-a3b9-4272-96ae-315db88e3a39]]></guid>
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    </item>
    <item>
      <title>I Don't Like My Daughter's Boyfriend (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/i-dont-like-my-daughters-boyfriend-hour-3</link>
      <description>Debt, Relationships, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Dec 2021 23:20:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/521bdf80-f22e-11ec-b8fd-9752f5a17b77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ae56be6c-791f-43d0-b9b3-7a7c87ac0df1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8738836512.mp3?updated=1655907551" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Manage a Large Inheritance? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-manage-a-large-inheritance-hour-2</link>
      <description>Debt, Budgeting, Saving, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Dec 2021 23:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5273b304-f22e-11ec-b8fd-073c560f66fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Saving, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Saving, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Saving, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0b39bf11-d92e-4c5a-898c-000943467e92]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1782156003.mp3?updated=1655907551" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can We Help Our Adult Children Buy a House? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/how-can-we-help-our-adult-children-buy-a-house-hour-1</link>
      <description>Debt, Saving, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Dec 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52ca815c-f22e-11ec-b8fd-ab6a8b684790/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4ebb9a86-4632-47ff-87c2-b8bf3255df31]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8216186265.mp3?updated=1655907552" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2021 Annual Christmas Giving Show (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Dec 2021 22:17:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5320ed62-f22e-11ec-b8fd-db4992fa4cc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving</itunes:subtitle>
      <itunes:summary>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1e9e5acc-020a-43f1-b537-1b83fd43846f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6040132297.mp3?updated=1655907553" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2021 Annual Christmas Giving Show (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Dec 2021 21:17:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53779806-f22e-11ec-b8fd-33e1489c7605/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving</itunes:subtitle>
      <itunes:summary>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0cafa8d9-6538-4317-806a-c97a02af0ae3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3837194044.mp3?updated=1655907553" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The 2021 Annual Christmas Giving Show (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Dec 2021 20:17:55 -0000</pubDate>
      <itunes:title>The 2021 Annual Christmas Giving Show (Hour 1)</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53d32f18-f22e-11ec-b8fd-8bc5b0fdfe52/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving</itunes:subtitle>
      <itunes:summary>Giving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5a3c70c4-6a30-4a7a-8a07-2c5102b55ac9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3509613367.mp3?updated=1655907553" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> No, Credit Cards DON’T Make You More Secure (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Retirement, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Dec 2021 22:17:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5428ce6e-f22e-11ec-b8fd-4ffebef73e29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Debt, Home Buying</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Debt, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6933154328.mp3?updated=1655911244" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Imagine a Life Without Payments (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Saving, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Dec 2021 21:17:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5485e46e-f22e-11ec-b8fd-0ba49ff4b4a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Investing, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Saving, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2423</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My New House Is a Money Pit! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Saving, Debt, Relationships, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Dec 2021 20:17:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/550c7858-f22e-11ec-b8fd-5bac5122cf98/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Debt, Relationships, Investing, Home Buying, Home Selling</itunes:subtitle>
      <itunes:summary>Saving, Debt, Relationships, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Debt, Relationships, Investing, Home Buying, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Investing Breakdown: "Match Beats Roth Beats Traditional" (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Relationships, Investing, Retirement, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Dec 2021 22:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/562efcec-f22e-11ec-b8fd-3f0bad218bd9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle> Home Buying, Relationships, Investing, Retirement, Career, Debt</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Investing, Retirement, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Investing, Retirement, Career, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Slow and Steady Wins the Race Every Time (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Education, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Dec 2021 21:17:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/568610ea-f22e-11ec-b8fd-a74ac58d7bba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Education, Investing, Retirement</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Education, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Education, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Son Died Tragically…What Next Steps Do We Take? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Relationships, Debt, Education, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Dec 2021 20:17:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56dd2d9e-f22e-11ec-b8fd-6f698d05671f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Debt, Education, Budgeting, Career</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Debt, Education, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Debt, Education, Budgeting, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fa61cf41-825b-44fb-ae0d-9dface1165b7]]></guid>
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    </item>
    <item>
      <title>I Fell Back into Debt...What Should I Do? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/i-fell-back-into-debtwhat-should-i-do-hour-3</link>
      <description>Debt, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Dec 2021 23:20:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57339d64-f22e-11ec-b8fd-3b8a02e4c97b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[46b4a7a4-42e4-4850-8342-0bbc225ddb10]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4088106721.mp3?updated=1655907558" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Dad's Finances Are in a Mess Since My Mom Passed Away (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/my-dads-finances-are-in-a-mess-since-my-mom-passed-away-hour-2</link>
      <description>Debt, Investing, Relationships, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Dec 2021 23:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5799fc9e-f22e-11ec-b8fd-d3731f3bffa4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3f8f0d14-9b6c-46c6-8399-323f3304570e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7054444041.mp3?updated=1655907557" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Has Complete Control of Our Finances (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/my-husband-has-complete-control-of-our-finances-hour-1</link>
      <description>Debt, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Dec 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57f04e46-f22e-11ec-b8fd-37949edbb6d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m Embarrassed To Talk to My Girlfriend About My Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Education, Home Buying, Saving, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Dec 2021 22:17:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/584884ee-f22e-11ec-b8fd-8bc033374e1d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Education, Home Buying, Saving, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Education, Home Buying, Saving, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Education, Home Buying, Saving, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Long Should I Be Gazelle Intense? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Saving, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Dec 2021 21:17:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/58b954f8-f22e-11ec-b8fd-7b08cc2c4ba6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Am I Morally Responsible for Paying Back a Parent PLUS Loan? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Debt, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Dec 2021 20:17:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/59252994-f22e-11ec-b8fd-3f3ef47cf988/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Education, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Education, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Education, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6f413483-0610-4740-b01e-20c9345a61d4]]></guid>
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    <item>
      <title>Do You Have a Scarcity or Abundance Mindset With Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Home Selling, Relationships, Saving, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Dec 2021 22:17:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/597c5f48-f22e-11ec-b8fd-27f00af51361/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Relationships, Saving, Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Relationships, Saving, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Relationships, Saving, Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Find a Proven Plan That Works and Attach Yourself to It (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Retirement, Career, Insurance, Home Buying, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Dec 2021 21:17:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/59d3e7ae-f22e-11ec-b8fd-c75380c4c7a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Career, Insurance, Home Buying, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Career, Insurance, Home Buying, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Career, Insurance, Home Buying, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Don’t Look for the Easy Way Out (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Career, Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Dec 2021 20:17:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a2b6b46-f22e-11ec-b8fd-5b6e085df05f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Debt, Education, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Debt, Education, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Hey Steve Harvey, Stop Killing People's Dreams (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt, Education, Home Buying, Relationships, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Dec 2021 22:16:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a81beba-f22e-11ec-b8fd-bb07eb28ac5e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Education, Home Buying, Relationships, Taxes As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Insurance, Debt, Education, Home Buying, Relationships, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Education, Home Buying, Relationships, Taxes</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[644e80fc-3b66-45fc-89d7-3b11cdbb8dab]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6501158853.mp3?updated=1655907563" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You DO NOT Need a Credit Score To Get a Mortgage (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Investing, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Dec 2021 21:17:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ad86c92-f22e-11ec-b8fd-af58550562b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Investing, Home Buying, Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Retirement, Investing, Home Buying, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Investing, Home Buying, Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Does It Make Sense To Pause Retirement To Buy a House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement, Home Buying, Budgeting, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Dec 2021 20:17:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b2fa7fa-f22e-11ec-b8fd-4bdc6d7806a0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Home Buying, Budgeting, Home Selling, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Home Buying, Budgeting, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Home Buying, Budgeting, Home Selling, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Are Being Sued by a Timeshare Company (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Retirement, Career, Debt, Home Buying, Home Selling, Investing, Education, Relationships, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Dec 2021 22:16:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b87c840-f22e-11ec-b8fd-eb57e22b581d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Career, Debt, Home Buying, Home Selling, Investing, Education, Relationships, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance...</itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Career, Debt, Home Buying, Home Selling, Investing, Education, Relationships, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Retirement, Career, Debt, Home Buying, Home Selling, Investing, Education, Relationships, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have To Get FIRED UP About Paying Off Your Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Relationships, Home Buying, Investing, Retirement, Insurance, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Dec 2021 21:17:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5be04ede-f22e-11ec-b8fd-d3cbed26274a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships, Home Buying, Investing, Retirement, Insurance, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage...</itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships, Home Buying, Investing, Retirement, Insurance, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships, Home Buying, Investing, Retirement, Insurance, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Know When It’s Time To Sell the Car? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Education, Home Buying, Relationships, Saving, Debt, Budgeting, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Dec 2021 20:17:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c381ccc-f22e-11ec-b8fd-1fd54ae10691/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Home Buying, Relationships, Saving, Debt, Budgeting, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup: ...</itunes:subtitle>
      <itunes:summary>Career, Education, Home Buying, Relationships, Saving, Debt, Budgeting, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Home Buying, Relationships, Saving, Debt, Budgeting, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Transition to a New Career? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Dec 2021 22:16:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c8fd5c0-f22e-11ec-b8fd-076561f7824d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My Husband’s Mental Health Issues Are Straining Our Marriage (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Dec 2021 21:17:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d14d270-f22e-11ec-b8fd-df6c3d010c3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education, Relationships, Budgeting, Home Selling, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2453</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>This Is What It Feels Like When You Don’t Owe Anybody Anything (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Home Selling, Relationships, Career, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Dec 2021 20:17:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d6adac6-f22e-11ec-b8fd-1bef34ef57aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Home Selling, Relationships, Career, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Home Selling, Relationships, Career, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Home Selling, Relationships, Career, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Run FROM Your Problems...Run TO Something! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Saving, Home Buying, Home Selling, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Dec 2021 22:16:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5dce3026-f22e-11ec-b8fd-c337477be9d6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Saving, Home Buying, Home Selling, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Saving, Home Buying, Home Selling, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Saving, Home Buying, Home Selling, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get People to Pay Me for a Bachelorette Party? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Taxes, Investing, Home Selling, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Dec 2021 21:17:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e242846-f22e-11ec-b8fd-7fa1003fde18/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Investing, Home Selling, Saving, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Investing, Home Selling, Saving, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Investing, Home Selling, Saving, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Adult Kids Don't Need to Be on an Allowance! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Saving, Relationships, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Dec 2021 20:17:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e798a84-f22e-11ec-b8fd-77cf29107180/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Relationships, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Relationships, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Relationships, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>To Build Wealth You Have To Make Your Money BEHAVE! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Relationships, Investing, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Dec 2021 22:16:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ecf8394-f22e-11ec-b8fd-3f86baa62217/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Investing, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Career, Relationships, Investing, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Investing, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Are Forcing Me To Make Car Payments (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Career, Home Buying, Home Selling, Investing, Retirement, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Dec 2021 21:17:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5f24f338-f22e-11ec-b8fd-0f8da3a116de/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Career, Home Buying, Home Selling, Investing, Retirement, Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup: ...</itunes:subtitle>
      <itunes:summary>Insurance, Career, Home Buying, Home Selling, Investing, Retirement, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Career, Home Buying, Home Selling, Investing, Retirement, Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2423</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Do Work You Love AND Make More Money at the Same Time (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Retirement, Investing, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Dec 2021 20:17:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5f7b0d22-f22e-11ec-b8fd-c7415ee184b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Investing, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Investing, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Investing, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2446</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Worshipping at the Altar of the Great FICO! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Education, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 07 Dec 2021 22:16:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5fd2e13c-f22e-11ec-b8fd-9f5f7bad99b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Education, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Education, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Education, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>When Is It Okay To Drop Your Life Insurance? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Insurance, Investing Debt, Education, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 07 Dec 2021 21:16:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/60c14214-f22e-11ec-b8fd-37697cf0f8e4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance, Investing Debt, Education, Career, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide...</itunes:subtitle>
      <itunes:summary>Home Buying, Insurance, Investing Debt, Education, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Insurance, Investing Debt, Education, Career, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
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      <itunes:duration>2456</itunes:duration>
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    <item>
      <title>To Win With Money, You Have To Focus on Your “Why” (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Home Selling, Retirement, Investing, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 07 Dec 2021 20:17:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61187f66-f22e-11ec-b8fd-3f307e548775/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Retirement, Investing, Debt, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Retirement, Investing, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Retirement, Investing, Debt, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Borrow Money From Our Parents To Build a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Retirement, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Dec 2021 22:17:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6173ce8e-f22e-11ec-b8fd-33e66a61da1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Home Buying, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Home Buying, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Sacrifice Today Will Set You Up for a Better Tomorrow (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Saving, Home Selling, Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Dec 2021 21:15:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61cb385e-f22e-11ec-b8fd-6ba06bb10e4d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Saving, Home Selling, Debt, Investing, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Retirement, Saving, Home Selling, Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Saving, Home Selling, Debt, Investing, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2458</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Stop Rationalizing Bad Money Decisions! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Dec 2021 20:15:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62241cee-f22e-11ec-b8fd-47bc662dbad9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Home Selling, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Home Selling, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>RANT: Buying Cryptocurrency With a Credit Card Is STUPID! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Retirement, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Dec 2021 22:15:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62a859be-f22e-11ec-b8fd-e3513e647dbb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement, Home Selling, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement, Home Selling, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement, Home Selling, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m 27 and My Goal Is To Be a Decamillionaire (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Saving, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Dec 2021 21:21:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6300303a-f22e-11ec-b8fd-3bc041b6d035/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Debt, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Saving, Debt, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Debt, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Wife Wants a Divorce and I Don’t Know What To Do Financially (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships
  
 Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Dec 2021 20:16:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63588406-f22e-11ec-b8fd-377e624c2e36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships   Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships As heard on this episode: Sign Up...</itunes:subtitle>
      <itunes:summary>Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships
  
 Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships</p> <p> </p> <p>Retirement, Investing, Career, Home Buying, Budgeting, Saving, Insurance, Debt, Education, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
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    <item>
      <title>Here’s How To Avoid Money Drama During Your Engagement (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Saving, Relationships, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Dec 2021 22:16:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63ae58c2-f22e-11ec-b8fd-7ff32ff33b4c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Saving, Relationships, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Saving, Relationships, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Saving, Relationships, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
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    <item>
      <title>How Can I Hold Myself Accountable to a Budget? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Relationships, Debt, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Dec 2021 21:19:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6422a3f8-f22e-11ec-b8fd-6fc12cbe975b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Relationships, Debt, Investing, Retirement, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Education, Relationships, Debt, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Relationships, Debt, Investing, Retirement, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
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    <item>
      <title>You Can Go to School Debt-Free but You Have to WORK! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Dec 2021 20:16:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/647bc884-f22e-11ec-b8fd-7b7129c7f0ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Retirement, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Career, Debt, Retirement, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Retirement, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2422</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Burned Out After Paying Off $300K of Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Saving, Retirement, Home Buying, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Dec 2021 22:15:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64d15d58-f22e-11ec-b8fd-c36310c208d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Retirement, Home Buying, Home Selling, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Retirement, Home Buying, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Retirement, Home Buying, Home Selling, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Wife Won’t Let Me Keep My Motorcycle but Mommy Thinks I Should (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Selling, Budgeting, Career, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Dec 2021 21:20:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6526b488-f22e-11ec-b8fd-9fccc8ce4519/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Budgeting, Career, Relationships, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Selling, Budgeting, Career, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Budgeting, Career, Relationships, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dd19a4ad-349f-47ff-9daa-02f71cc631e6]]></guid>
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    </item>
    <item>
      <title>You’re a Grown Man - Your Parents Don’t Get a Vote! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Saving, Career, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Dec 2021 20:18:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/657c20f8-f22e-11ec-b8fd-d39e457622c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Career, Relationships, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Saving, Career, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Career, Relationships, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2450</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My Family Keeps Asking Me for Money…How Can I Set Boundaries? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Home Buying, Debt, Education
  
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Tue, 30 Nov 2021 22:15:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65e8170e-f22e-11ec-b8fd-27aafc1cd74d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Buying, Debt, Education</itunes:subtitle>
      <itunes:summary>Relationships, Home Buying, Debt, Education
  
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Buying, Debt, Education</p> <p> </p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Money Doesn’t Change You, It Just Magnifies Who You Already Are (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Debt, Saving, Home Selling, Retirement, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </description>
      <pubDate>Tue, 30 Nov 2021 21:20:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/663dfaac-f22e-11ec-b8fd-fb6ff26caf34/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Saving, Home Selling, Retirement, Relationships</itunes:subtitle>
      <itunes:summary>Education, Debt, Saving, Home Selling, Retirement, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Debt, Saving, Home Selling, Retirement, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
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    <item>
      <title>Should My Wife Stay Home or Go Back to Work? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Buying, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 30 Nov 2021 20:18:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66964194-f22e-11ec-b8fd-bfac9447cbc9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
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    <item>
      <title>My Daughter’s Boyfriend Is a Negative Influence (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Debt, Home Buying, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 29 Nov 2021 22:15:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66ed1b36-f22e-11ec-b8fd-5be1d2aec6eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Home Buying, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
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    <item>
      <title>Most People Have Too Much Month at the End of Their Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Saving, Budgeting, Home Buying, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 29 Nov 2021 21:20:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/674397e0-f22e-11ec-b8fd-1bfb9e3a2611/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Budgeting, Home Buying, Career, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Saving, Budgeting, Home Buying, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Budgeting, Home Buying, Career, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: The White House Can't Fix Your Financial Problems! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Saving, Home Buying, Career, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 29 Nov 2021 20:17:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/67a1c41e-f22e-11ec-b8fd-731f6dd44cc5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Home Buying, Career, Education, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Home Buying, Career, Education, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Home Buying, Career, Education, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Accountant Says It's a Bad Idea to Pay Off My Mortgage! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/my-accountant-says-its-a-bad-idea-to-pay-off-my-mortgage-hour-3</link>
      <description>Debt, Career, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 26 Nov 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68584b1c-f22e-11ec-b8fd-43712302b33c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>What Should My Career Priorities Be? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/what-should-my-career-priorities-be-hour-2</link>
      <description>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 26 Nov 2021 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68af647e-f22e-11ec-b8fd-f32f520214cc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How Do I Plan for Buying a House? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-plan-for-buying-a-house-hour-1</link>
      <description>Debt, Home Buying, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 26 Nov 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6905c5da-f22e-11ec-b8fd-7bda995a8d5d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>I'm Being Sued for Credit Card Non-Payment (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/im-being-sued-for-credit-card-non-payment-hour-3</link>
      <description>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 25 Nov 2021 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/695dd428-f22e-11ec-b8fd-078f4cfa7098/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[64ee3826-153f-4ace-8483-dfb6fa350cb8]]></guid>
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    </item>
    <item>
      <title>Should I Change Jobs for a Better Quality of Life? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/should-i-change-jobs-for-a-better-quality-of-life-hour-2</link>
      <description>Debt, Home Selling, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 25 Nov 2021 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/69b73b76-f22e-11ec-b8fd-5f245cb2cf38/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Relationships, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Relationships, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4402563003.mp3?updated=1655907585" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do You Do After Maxing Out Your 401(k)? (Hour 1) </title>
      <link>http://draudioarchives.libsyn.com/what-do-you-do-after-maxing-out-your-401k-hour-1</link>
      <description>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 25 Nov 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a12bf1e-f22e-11ec-b8fd-9774166d9e47/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Investing</itunes:subtitle>
      <itunes:summary>As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[177920d3-f32a-4b6e-940e-c95de4dfed29]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7148853491.mp3?updated=1655907586" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You CAN Become a Baby Steps Millionaire! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Baby Steps Millionaire Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 24 Nov 2021 22:16:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a6bbfe2-f22e-11ec-b8fd-1340536423ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Baby Steps Millionaire Theme Hour As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Baby Steps Millionaire Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Baby Steps Millionaire Theme Hour</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1128459170.mp3?updated=1655907586" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Be Sued for Cancelling a Contract To Buy a Home? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Saving, Career, Investing, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 24 Nov 2021 21:14:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6ac433fc-f22e-11ec-b8fd-e7541ba6c131/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Saving, Career, Investing, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Saving, Career, Investing, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Saving, Career, Investing, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cda8390a-319c-4118-a7bf-4286f2647b1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2094888265.mp3?updated=1655907587" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>When Is It Time To Invest in Real Estate? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Saving, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 24 Nov 2021 20:19:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b211afe-f22e-11ec-b8fd-c772e833fd9a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, Debt, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Investing, Saving, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, Debt, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6435bddb-a238-400f-815a-894d29d89921]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3053722417.mp3?updated=1655907587" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>COVID Was the Wake-up Call I Didn’t Know I Needed (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 23 Nov 2021 22:19:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b860d7e-f22e-11ec-b8fd-83f864f0f254/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3e9e0773-b592-4f9a-9216-cd550bf08701]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4737419058.mp3?updated=1655907588" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What’s the Best Way To Plan for the Cost of Giving Birth? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 23 Nov 2021 21:20:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6bded62a-f22e-11ec-b8fd-fbc40937bb4f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Budgeting, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Budgeting, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Use the Settlement Money From Our Daughter’s Accident? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Home Buying, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 23 Nov 2021 20:17:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6c9e9c76-f22e-11ec-b8fd-bf6132dea25d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Home Buying, Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Insurance, Home Buying, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Home Buying, Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
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    <item>
      <title>You Can’t Ignore Math in the Name of “Wellness” (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Home Buying, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 22 Nov 2021 22:19:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6cf6312a-f22e-11ec-b8fd-b70fbe98370d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Home Buying, Home Selling, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Home Buying, Home Selling, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Home Buying, Home Selling, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
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    <item>
      <title>I’m Retirement Age but Have No Money Saved (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Home Selling, Investing, Retirement, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 22 Nov 2021 21:20:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6d670ca6-f22e-11ec-b8fd-63d0f2ba8348/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Investing, Retirement, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Investing, Retirement, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Investing, Retirement, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Love My Truck…but Should I Sell It? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Saving, Career, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 22 Nov 2021 20:17:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6dbfe0e2-f22e-11ec-b8fd-4f049030bd7f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Saving, Career, Relationships, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Saving, Career, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Saving, Career, Relationships, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Use Our Kids’ Inheritance To Pay Off Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Education, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 19 Nov 2021 22:20:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e18b6fe-f22e-11ec-b8fd-7b22faad1651/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Education, Debt, Saving</itunes:subtitle>
      <itunes:summary>Investing, Education, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Education, Debt, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2457</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Income Do I Need To Live Comfortably? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Education, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 19 Nov 2021 21:19:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e71d338-f22e-11ec-b8fd-33e1c7ea03b5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Education, Debt</itunes:subtitle>
      <itunes:summary>Investing, Education, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Education, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m Ready To Do the Work &amp; Make a Better Future for My Family (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Investing, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 19 Nov 2021 20:17:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6eca2830-f22e-11ec-b8fd-afd04a58cf26/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Investing, Home Buying, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Education, Investing, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Investing, Home Buying, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My Fiancée Has $350K in Student Loans! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Taxes, Education, Debt, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 18 Nov 2021 22:19:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6f22eb3c-f22e-11ec-b8fd-cf882e1f5119/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Taxes, Education, Debt, Budgeting, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Taxes, Education, Debt, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Taxes, Education, Debt, Budgeting, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m Debt-Free, but Can I Get Gazelle Intense To Build Wealth? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Retirement, Career, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 18 Nov 2021 21:20:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6f7f4706-f22e-11ec-b8fd-532d884578c5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Career, Investing, Home Buying, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Career, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Career, Investing, Home Buying, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2454</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Would Have Been Devastated Without These Principles (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Home Buying, Home Selling, Debt, Insurance, Retirement, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 18 Nov 2021 20:18:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6fd6d76e-f22e-11ec-b8fd-177e3fe65a67/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Home Buying, Home Selling, Debt, Insurance, Retirement, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete...</itunes:subtitle>
      <itunes:summary>Investing, Home Buying, Home Selling, Debt, Insurance, Retirement, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Home Buying, Home Selling, Debt, Insurance, Retirement, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Don’t Deal With THIS, You Have a High Probability of Failure (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Home Buying, Home Selling, Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 17 Nov 2021 22:20:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/702e8d2e-f22e-11ec-b8fd-9f9f9d90c393/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Buying, Home Selling, Debt, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide...</itunes:subtitle>
      <itunes:summary>Relationships, Home Buying, Home Selling, Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Buying, Home Selling, Debt, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can’t Make Enough To Outrun Your Stupidity (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Home Buying, Education, Retirement, Debt, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 17 Nov 2021 21:19:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7087021a-f22e-11ec-b8fd-f78b9422ec4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Education, Retirement, Debt, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Career, Home Buying, Education, Retirement, Debt, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Education, Retirement, Debt, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>DAVE RANT: Honey, You’re Broke! Slow Your Butt Down… (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Saving, Career, Debt, Home Selling, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 17 Nov 2021 20:17:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/70de4bb0-f22e-11ec-b8fd-c70144751b14/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, Career, Debt, Home Selling, Career, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Saving, Career, Debt, Home Selling, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, Career, Debt, Home Selling, Career, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>What Will Be the Defining Moment That Starts Your Financial Turnaround? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Saving, Education, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 16 Nov 2021 22:19:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7136d58c-f22e-11ec-b8fd-3702e6f92c12/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Education, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Education, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Education, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[032d0eb7-0e56-404a-bd31-697bbdf71344]]></guid>
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    </item>
    <item>
      <title>I Have Eight Student Loans…Which Do I Pay Off First? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 16 Nov 2021 21:19:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/71904982-f22e-11ec-b8fd-f36bfacec3c0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>To Win With Money You Have To Save It, Give It, AND Enjoy It (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 16 Nov 2021 20:17:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/71e9e334-f22e-11ec-b8fd-632e027ed188/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
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    <item>
      <title>Should I Take Over My Father-in-Law’s Business? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/rs_audio_archive_hour_3_zetta-podcast_20211115-160800-043.mp3</link>
      <description>Retirement, Career, Saving, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 15 Nov 2021 22:17:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7244699e-f22e-11ec-b8fd-df0c9103fec5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Saving, Budgeting, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Retirement, Career, Saving, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Career, Saving, Budgeting, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don’t Be Stupid Just Because the Market’s Stupid Right Now (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/rs_audio_archive_hour_2_zetta-podcast_20211115-150800-039.mp3</link>
      <description>Career, Debt, Budgeting, Saving, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 15 Nov 2021 21:16:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/72b82578-f22e-11ec-b8fd-d7f770ac720f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Budgeting, Saving, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Career, Debt, Budgeting, Saving, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Budgeting, Saving, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2455</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You CAN Change Your Family Tree and Build Wealth! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/rs_audio_archive_hour_1_zetta-podcast_20211115-140800-047.mp3</link>
      <description>Debt, Saving, Home Buying, Relationships, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 15 Nov 2021 20:16:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/73110cd8-f22e-11ec-b8fd-238df91e6671/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Saving, Home Buying, Relationships, Budgeting, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Saving, Home Buying, Relationships, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Saving, Home Buying, Relationships, Budgeting, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2430</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4639557925.mp3?updated=1655907598" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have GOT To Get off the Couch and Quit Making Excuses! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Debt, Relationships, Home Buying, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 12 Nov 2021 22:25:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/73726460-f22e-11ec-b8fd-fbd3288e2a13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Relationships, Home Buying, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Career, Debt, Relationships, Home Buying, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Relationships, Home Buying, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m Buried in Debt, My Wife Is Sick, and I Don’t Know What To Do (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Investing, Career, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 12 Nov 2021 21:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/73cb4170-f22e-11ec-b8fd-47c64ca1b3a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Investing, Career, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Investing, Career, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Investing, Career, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Bought My Dream Car With Cash…From My Emergency Fund (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Education, Saving, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 12 Nov 2021 20:30:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7424ac42-f22e-11ec-b8fd-23f0693a3fc4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Education, Saving, Budgeting, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Retirement, Education, Saving, Budgeting, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Education, Saving, Budgeting, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Should My Boyfriend and I Move Out of My Mom’s House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Saving, Career, Debt, Budgeting, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 11 Nov 2021 22:25:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/747d5a2c-f22e-11ec-b8fd-4bb0ba173a09/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, Career, Debt, Budgeting, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Investing, Saving, Career, Debt, Budgeting, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, Career, Debt, Budgeting, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Should I Wait and See if My Student Loans Are Forgiven? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Saving, Budgeting, Education, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 11 Nov 2021 21:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/74da4c28-f22e-11ec-b8fd-1be7a8697641/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Saving, Budgeting, Education, Investing, Retirement, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup: ...</itunes:subtitle>
      <itunes:summary>Relationships, Saving, Budgeting, Education, Investing, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Saving, Budgeting, Education, Investing, Retirement, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
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    <item>
      <title>DAVE RANT: Your Granddaughter Is a Spoiled Brat! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Relationships, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 11 Nov 2021 20:36:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7532f9cc-f22e-11ec-b8fd-234699cff1d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Relationships, Saving, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Education, Relationships, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Relationships, Saving, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Whether You Think You Can or Think You Can’t, You’re Right (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Home Buying, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 10 Nov 2021 22:25:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/758b8790-f22e-11ec-b8fd-9f55ae97185e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Home Buying, Budgeting, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Home Buying, Budgeting, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Home Buying, Budgeting, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Despite What You’ve Heard, Renters Don’t Go to Hell (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Investing, Career, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 10 Nov 2021 21:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/75e33904-f22e-11ec-b8fd-b3b19efb42c0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Investing, Career, Debt, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Home Buying, Investing, Career, Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Investing, Career, Debt, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Moving Your Debt Around Is NOT the Same As Paying It Off (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Relationships, Debt, Career, Saving, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 10 Nov 2021 20:30:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7663513e-f22e-11ec-b8fd-73931a6eb393/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Relationships, Debt, Career, Saving, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Budgeting, Relationships, Debt, Career, Saving, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Relationships, Debt, Career, Saving, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Should We Move Away From My Crazy Mother-in-Law? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt, Relationships, Saving, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 09 Nov 2021 22:25:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/76c0f866-f22e-11ec-b8fd-43eee3ecc92e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Relationships, Saving, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Insurance, Debt, Relationships, Saving, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Relationships, Saving, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Should I Interview for a Position That I Don’t Feel Qualified For? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Home Buying, Home Selling, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 09 Nov 2021 21:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/771a48c6-f22e-11ec-b8fd-b3be5f80882c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Home Selling, Debt, Saving As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Career, Home Buying, Home Selling, Debt, Saving
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Home Selling, Debt, Saving</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>If You Can’t Afford a College Degree, DON’T Borrow for It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Education, Investing, Home Selling, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 09 Nov 2021 20:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/777232de-f22e-11ec-b8fd-4b5a9e268fba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Investing, Home Selling, Saving, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Career, Education, Investing, Home Selling, Saving, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Investing, Home Selling, Saving, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You're Debt-Free, You Don't Feel Trapped! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 08 Nov 2021 22:25:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/77c9bdec-f22e-11ec-b8fd-57da55aee0e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2cb02f61-e7aa-4421-8161-ce5749e93417]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9495636650.mp3?updated=1655907605" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Handle Mom’s Estate After She Got Scammed? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 08 Nov 2021 21:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78228c24-f22e-11ec-b8fd-d7cf7e094b8d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[acabeffc-40c5-4948-bb47-d6f27bb834f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1547640765.mp3?updated=1655907606" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Make the Change: Deprogram Yourself From the Toxic Money Culture! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 08 Nov 2021 20:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/787bca00-f22e-11ec-b8fd-af411da0cd8d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f3f13a9b-3bc7-499b-8b75-64f19dc802fc]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6791215723.mp3?updated=1655907606" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Husband Is Hiding Cash in a Secret Bank Account (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Investing, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 05 Nov 2021 21:25:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78d50174-f22e-11ec-b8fd-23fca00a026e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Relationships, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Relationships, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c9d8a81b-a922-4024-8be4-f69a8e773a7a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9040652844.mp3?updated=1655911245" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Secret to Happiness Is Lowered Expectations (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 05 Nov 2021 20:35:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/792d49e2-f22e-11ec-b8fd-d382510f34b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[06a3208a-1582-47f0-8853-61bf4a7869d7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1851224916.mp3?updated=1655907607" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Run My Own Business – When Should I Hire My First Employee? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 05 Nov 2021 19:30:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/798534a4-f22e-11ec-b8fd-7fe1ce2342af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c2be49ff-62e7-4574-be34-8c99fcf2a8d2]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6051292864.mp3?updated=1655907607" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Here’s How You Determine Your Financial Priorities (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 04 Nov 2021 21:25:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79f94344-f22e-11ec-b8fd-7319c553755b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2408</itunes:duration>
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    <item>
      <title>Should I Leave My Ministry Job? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 04 Nov 2021 20:35:07 -0000</pubDate>
      <itunes:title>Should I Leave My Ministry Job? (Hour 2)</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a51bf24-f22e-11ec-b8fd-7fd95ec92a88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>Where Do Home Improvements Fit in the Baby Steps? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 04 Nov 2021 19:30:49 -0000</pubDate>
      <itunes:title>Where Do Home Improvements Fit in the Baby Steps? (Hour 1)</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7aa94f82-f22e-11ec-b8fd-b78c4e92c6f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife and I Disagree About Downsizing Our House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Insurance, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 03 Nov 2021 21:25:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b010380-f22e-11ec-b8fd-0f39c95630d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Insurance, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Insurance, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Insurance, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Family Drama: My Sister Wasn't In Dad's Will (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 03 Nov 2021 20:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b598546-f22e-11ec-b8fd-d7f745846a89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You Don’t Have a Marriage, You Have a Business Relationship! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 03 Nov 2021 19:35:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7bb19bbe-f22e-11ec-b8fd-5b1327bd0e55/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How Can I Best Use My Savings To Build Wealth? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Retirement, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 02 Nov 2021 21:25:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c09d3c4-f22e-11ec-b8fd-8f633955f589/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[53919137-8ae1-419a-b5a6-343232f6c643]]></guid>
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    </item>
    <item>
      <title>Should We Use Our Investments To Pay Off Our Kid’s House? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Career, Home Selling, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 02 Nov 2021 20:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c61d34e-f22e-11ec-b8fd-77eb9be52317/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Home Selling, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Home Selling, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Home Selling, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9f027af3-16ff-45d9-931b-57bf292cff09]]></guid>
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    </item>
    <item>
      <title>My Dad Passed Away with Assets in Another Country (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 02 Nov 2021 19:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7cb99aa2-f22e-11ec-b8fd-e3bd6b349128/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Go Back to School or Be a Stay-at-Home Mom? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Career, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 01 Nov 2021 21:25:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d118820-f22e-11ec-b8fd-6767c9eb8b5d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Career, Relationships, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Career, Relationships, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Career, Relationships, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should My Mother-in-Law Move In with Us? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 01 Nov 2021 20:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d69b824-f22e-11ec-b8fd-dfefdf1b0547/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Let My Car Get Repossessed? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Retirement, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 01 Nov 2021 19:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7df719da-f22e-11ec-b8fd-73286bb42f70/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fc49a800-794c-4906-bdbc-eb46030b0657]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5900479101.mp3?updated=1655907614" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Be Generous With My Friends Without Making It Weird? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Business, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 29 Oct 2021 21:25:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7e51ddc0-f22e-11ec-b8fd-7f9fe324db69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>ANYONE Can Win With Money Regardless of Your Past (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Budgeting, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 29 Oct 2021 20:35:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ea95eb0-f22e-11ec-b8fd-435fc4549cfb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting, Business, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Budgeting, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>My Fiancée Makes Way More Than Me and I'm Feeling Insecure (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 29 Oct 2021 19:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f009b8a-f22e-11ec-b8fd-07a7c805b478/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ae8f4354-388b-4f29-a114-66129476a218]]></guid>
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    </item>
    <item>
      <title>How Do I Surprise My Wife With a Trip if We Share a Bank Account? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 28 Oct 2021 21:25:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f587f12-f22e-11ec-b8fd-c70ba441c789/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can We Buy World Series Tickets While We’re in the Baby Steps? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Savings, Career, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 28 Oct 2021 20:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7fb144d0-f22e-11ec-b8fd-1b3081c1e039/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings, Career, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings, Career, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings, Career, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>My Mother-In-Law Is Crossing a BIG Boundary (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 28 Oct 2021 19:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/800926be-f22e-11ec-b8fd-cfdb6a6a2030/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Rent Is Going Up and I Don't Think We Can Afford It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Relationships, Savings, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 27 Oct 2021 21:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8062705c-f22e-11ec-b8fd-2f4f84419093/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Savings, Budgeting, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Savings, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Savings, Budgeting, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0bbdc482-32ee-4282-b855-dcf70bb97780]]></guid>
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    </item>
    <item>
      <title>How Can I Save Money so That I Can Build Wealth? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 27 Oct 2021 20:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80bb832c-f22e-11ec-b8fd-5f7fc0e58508/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6590877482.mp3?updated=1655907618" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We're a Married Couple Living With a Roommate and There Is DRAMA (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 27 Oct 2021 19:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8113fb42-f22e-11ec-b8fd-d76de841c7a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bf57d8e8-9dc2-46c3-818c-f71518ab578d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6685954480.mp3?updated=1655907619" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm Looking to Grow My Savings Fast with Bitcoin...Good or Bad Idea? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 26 Oct 2021 21:25:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81709da2-f22e-11ec-b8fd-4fec6c874a7b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ebb3d880-04f1-4f71-9ec9-a7e927e09025]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3199210660.mp3?updated=1655907620" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My New Boss Told Me I Wasn’t His First Choice for the Job (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Career, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 26 Oct 2021 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81c83f62-f22e-11ec-b8fd-df76f85ab35a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[67f0e8da-f27a-4f12-8e6a-990879e0f3e5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2336197763.mp3?updated=1655907620" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Can I Help My Sister Go to College Debt-Free? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 26 Oct 2021 19:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/821f4f5a-f22e-11ec-b8fd-7bfcb44cfce7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm $500K in Debt and Don't Know Where to Start (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 25 Oct 2021 21:26:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/828d428a-f22e-11ec-b8fd-4be9b1e47f29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>No Boundaries! My Dad Bought a Car for My 12-Year-Old Daughter (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 25 Oct 2021 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82ecc7be-f22e-11ec-b8fd-87bded4fb794/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do I Have an Obligation To Pay My Dad’s Loans? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 25 Oct 2021 19:30:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83cd7624-f22e-11ec-b8fd-6bd0d0f8c2d8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Afraid to Step In and Help My Divorced Parents (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 22 Oct 2021 21:25:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8425b460-f22e-11ec-b8fd-1b910d09cda9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Move Debt Around...Pay It Off! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Retirement, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 22 Oct 2021 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/847eb4fc-f22e-11ec-b8fd-0790ee8f5b06/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Start a Business Without a Loan? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 22 Oct 2021 19:35:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/84d88f7c-f22e-11ec-b8fd-1bd0e2b4c771/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Business, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You're Not Exempt from Math No Matter Where You Live (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Taxes, Savings, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 21 Oct 2021 21:24:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85315eb8-f22e-11ec-b8fd-5bee47beb812/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Taxes, Savings, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Taxes, Savings, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Taxes, Savings, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Take Control of Your Finances Instead of Waiting on the Government! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 21 Oct 2021 20:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85893e80-f22e-11ec-b8fd-b70c720be382/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Such Thing as "Good" Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Career, Investing, Savings, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 21 Oct 2021 19:35:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85e0a6a2-f22e-11ec-b8fd-3392168557eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Career, Investing, Savings, Taxes As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Business, Career, Investing, Savings, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Career, Investing, Savings, Taxes</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c8d60a7c-103e-4d67-b8b4-a2ba0c7eb112]]></guid>
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    </item>
    <item>
      <title>My Fiancée and I Broke Up...Should I Sell the Engagement Ring? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Savings, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 20 Oct 2021 21:25:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/863c26da-f22e-11ec-b8fd-5b48f8188591/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d3100827-b677-4f76-baef-da20ce21aefb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9796135775.mp3?updated=1655907626" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm 22 and Make $85K...How Do I Manage That? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 20 Oct 2021 20:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86a4309a-f22e-11ec-b8fd-23fa5ff7c4ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9eb2d64c-216e-48cf-b877-ed1eee0ddb25]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9393182685.mp3?updated=1655907627" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Overcome the Fear of Leaving My Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 20 Oct 2021 19:35:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/870ef772-f22e-11ec-b8fd-1350f6f3a296/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ae7d6f2f-317c-4eec-92fd-6a35b4018288]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9028149724.mp3?updated=1655907628" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Retire When You WANT to, Not When You Have To! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Taxes, Savings, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 19 Oct 2021 21:24:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87681a1e-f22e-11ec-b8fd-afa256bbcd09/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Taxes, Savings, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Taxes, Savings, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Taxes, Savings, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6c41289e-fe42-46c9-8cb4-e4db16392800]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1893512268.mp3?updated=1655907629" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Where Should I Put My Money To Save for a House? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Savings, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 19 Oct 2021 20:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87c0478e-f22e-11ec-b8fd-174c0c686562/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Insurance, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Insurance, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c5c171e5-5bc7-46ef-8d83-1cedd2726391]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4051712901.mp3?updated=1655907629" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Have a Bigger Emergency Fund for My Dogs? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Savings, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 19 Oct 2021 19:30:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88194974-f22e-11ec-b8fd-c35c1a3ea9d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Savings, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Savings, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Savings, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where There's Clarity With Your Money, There's Freedom (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Education, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 18 Oct 2021 21:25:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88721cca-f22e-11ec-b8fd-d3f8e5883e64/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Education, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Education, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Education, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Say "No" to Things so You Can Say "Yes" to Your Future! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 18 Oct 2021 20:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88ca903a-f22e-11ec-b8fd-631e740d550a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2446</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cf9160a5-3a97-4bfc-a092-73bc50f5dbd3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6163835365.mp3?updated=1655907635" length="0" type="audio/mpeg"/>
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    <item>
      <title>I Have Half a Million Dollars and Don't Know What To Do With It (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 18 Oct 2021 19:33:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89227dcc-f22e-11ec-b8fd-872fe3ea184e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1354281b-e32a-4afc-9b29-e8125de51d0f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9616041228.mp3?updated=1655907635" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Employer Is Charging an Insurance Premium if I Don’t Get the Vaccine (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 15 Oct 2021 21:24:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/897a5344-f22e-11ec-b8fd-735b9256e58c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3041f581-724a-4f46-a327-33d74c839ce0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9136274243.mp3?updated=1655907636" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Millennials Buying Houses With Their Friends Is a BAD Idea (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 15 Oct 2021 20:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89d2940a-f22e-11ec-b8fd-7fd6fcffe1ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2e63caf8-ff5c-4d58-bbbb-0fd2e4fb08a6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7850169749.mp3?updated=1655907636" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Fear and Doubt Can Cloud Your Ability to See Your Own Success (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 15 Oct 2021 19:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a29971e-f22e-11ec-b8fd-e7d75823bb5b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[02deb9b8-3518-4183-b8c7-af350bd43526]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2626107121.mp3?updated=1655907637" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Student Loans Suck! A Special Theme Hour for the Borrowed Future Documentary Launch (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Student Loan Theme Hour As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  • Debt Calculator: https://bit.ly/2Q64HME • Insurance Coverage Checkup: https://bit.ly/3sXwUn5 • Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 14 Oct 2021 21:24:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a8793f0-f22e-11ec-b8fd-770bc939f568/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Student Loan Theme Hour</itunes:subtitle>
      <itunes:summary>Student Loan Theme Hour As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  • Debt Calculator: https://bit.ly/2Q64HME • Insurance Coverage Checkup: https://bit.ly/3sXwUn5 • Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Student Loan Theme Hour<br> As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx<br> Tools to get you started: <br> • Debt Calculator: https://bit.ly/2Q64HME<br> • Insurance Coverage Checkup: https://bit.ly/3sXwUn5<br> • Complete Guide to Budgeting: https://bit.ly/3utmVXi<br> Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c83dff1f-11ef-4103-84e2-1ff6ef5d8cc3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2477110850.mp3?updated=1655907640" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Grow My Net Worth Without Confusing It With My Self-Worth? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142021_the_dave_ramsey_show_archive_2_FIXED.mp3</link>
      <description>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  • Debt Calculator: https://bit.ly/2Q64HME • Insurance Coverage Checkup: https://bit.ly/3sXwUn5 • Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 14 Oct 2021 20:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8adfe6cc-f22e-11ec-b8fd-ffa5183ccb2a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  • Debt Calculator: https://bit.ly/2Q64HME • Insurance Coverage Checkup: https://bit.ly/3sXwUn5 • Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx<br> Tools to get you started: <br> • Debt Calculator: https://bit.ly/2Q64HME<br> • Insurance Coverage Checkup: https://bit.ly/3sXwUn5<br> • Complete Guide to Budgeting: https://bit.ly/3utmVXi<br> Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1646139086.mp3?updated=1655911250" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: The IRS Wants to Snoop in Our Bank Accounts?! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 14 Oct 2021 19:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b377130-f22e-11ec-b8fd-97dfa3b11528/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing</itunes:subtitle>
      <itunes:summary>Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e00811a7-fe3d-4841-ae3c-8e40d426b069]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3891353249.mp3?updated=1655907642" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We’re Getting a $2 Million Inheritance – What Do We Do With It? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 13 Oct 2021 21:24:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ba5d18e-f22e-11ec-b8fd-2f307152fb33/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f326e8c1-101e-46ed-9c81-5aa63700bba8]]></guid>
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    </item>
    <item>
      <title>I Used To Think You Were Arrogant…but Now I Need Your Advice! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Savings, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 13 Oct 2021 20:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c018baa-f22e-11ec-b8fd-cfff8fc425a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4304605f-db85-42d3-92a8-e21a829685ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4837086020.mp3?updated=1655907643" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>THIS Is What It Looks Like To Change Your Family Tree! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 13 Oct 2021 19:34:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c6dbb72-f22e-11ec-b8fd-fb02e733dc3e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Business, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[43d8fb53-2332-441e-85ca-f06c979e4c7f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3065033371.mp3?updated=1655907648" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: You CAN Get Rich Without Inheriting Money! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Millionaire Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 12 Oct 2021 21:24:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8cc67726-f22e-11ec-b8fd-9392386d41dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Millionaire Theme Hour As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Millionaire Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Millionaire Theme Hour</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[16fb1010-44c5-491b-85f2-03fd38c4063b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5942866041.mp3?updated=1655907649" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take a New Job Across the Country? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Retirement, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 12 Oct 2021 20:34:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d2e74d4-f22e-11ec-b8fd-bfe5eb15cf21/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0cce389f-8ae4-474d-8c68-69158ed27e7a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4468610249.mp3?updated=1655907653" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Moving Forward Means Leaving Other Things Behind (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 12 Oct 2021 19:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d8f59f2-f22e-11ec-b8fd-dff65e82d722/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5dfa7f48-cdca-4161-af71-af7cfb511ad9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3320141517.mp3?updated=1655907653" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>EntreLeadership Turns 10! Dave Answers Your Business and Leadership Questions (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>EntreLeadership Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 11 Oct 2021 21:24:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8deaecfe-f22e-11ec-b8fd-9b2a66ae51ee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Fear Should Never Make Your Financial Decisions...Facts Should! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 11 Oct 2021 20:34:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e40985c-f22e-11ec-b8fd-4b0cf6c25c04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Transformation Is Not for the Faint of Heart, but It’s Worth It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 11 Oct 2021 19:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e95a16c-f22e-11ec-b8fd-4ba0f6eaf97b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b8e324ec-7709-467f-a472-ed0dc25185c3]]></guid>
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    <item>
      <title>Do We Need To Be Ready Financially To Start a Family? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 08 Oct 2021 21:24:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8efb21fe-f22e-11ec-b8fd-97a4e1443bc5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a08c0ece-42ce-4c2c-8a22-8c450c4bc27f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6763260319.mp3?updated=1655907659" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do We Move On Financially After My Husband’s Infidelity? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 08 Oct 2021 20:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f517a72-f22e-11ec-b8fd-57d96166b54f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7c6c7705-8516-4242-903f-b130ba6f5b49]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7623896790.mp3?updated=1655907661" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You May Feel Like You’re Drowning but There Is HOPE (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 08 Oct 2021 19:34:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8faba402-f22e-11ec-b8fd-27dca2b4d444/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aaea92a4-26a7-4278-9df3-fb34ce1f2b2b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9619086537.mp3?updated=1655907661" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>YOU Are the Only One That Can Turn Your Life Around (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 07 Oct 2021 21:24:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90045f5c-f22e-11ec-b8fd-631a9a59b973/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2d7aff7d-38b5-4b51-8c9e-a5b13f0e96a6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9723715128.mp3?updated=1655907663" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Get Off My Lawn! (Why HOAs Suck) (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 07 Oct 2021 20:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/905d33e8-f22e-11ec-b8fd-abdbdaf886da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Education, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8024cd47-56d9-42b8-a83b-3fb27bacb495]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8731228144.mp3?updated=1655907665" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Caller vs Dave: Are You Smarter Than Warren Buffet? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 07 Oct 2021 19:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90b78f96-f22e-11ec-b8fd-c3945115fb07/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Treats Our Stuff Like HIS and Not OURS (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 06 Oct 2021 21:25:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/911126a0-f22e-11ec-b8fd-5fc44910c954/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Career, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Career, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Career, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Long Should We Wait To Invest While Saving for a Home? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 06 Oct 2021 20:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91812a04-f22e-11ec-b8fd-8b84e0e2ae65/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7921928197.mp3?updated=1655907674" length="0" type="audio/mpeg"/>
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    <item>
      <title>What Is Considered a Good Return on a Rental? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career, Budgeting, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 06 Oct 2021 19:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91f13c54-f22e-11ec-b8fd-8b7dff2f252d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Budgeting, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Budgeting, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Budgeting, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6e76f712-36ca-4096-9593-299b495f3773]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8155024503.mp3?updated=1655907674" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Trading Money for Time With Your Kids Is a Good Trade! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Relationships, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 05 Oct 2021 21:24:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/924bd7fe-f22e-11ec-b8fd-e3da97208e45/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8283341a-22b1-4770-9a0a-d6eddb4f3d26]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8895849872.mp3?updated=1655907676" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I'm Desperate...How Do I Start This Plan? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 05 Oct 2021 20:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92a47a8a-f22e-11ec-b8fd-731fa5a1eab8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e508f03b-36b0-4ded-a7f7-79fcb990cfe7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4467604499.mp3?updated=1655907678" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Ex-Wife Keeps Dragging Me Back to Court (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Relationships, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 05 Oct 2021 19:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92fc30ae-f22e-11ec-b8fd-33d57d094bdf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ee765387-6eac-46d8-b696-33781f3e99ef]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3534459170.mp3?updated=1655907683" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Live Like No One Else So Later You Can Buy the Sports Car (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Relationships, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 04 Oct 2021 21:24:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9354e3a2-f22e-11ec-b8fd-2f18fb887a43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Newly Divorced...Should I Close My Business and Start Over? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 04 Oct 2021 20:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/93adfe4c-f22e-11ec-b8fd-330bfc54cf7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Education, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>From Jail to Debt Freedom - This Couple's Inspiring Journey (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Business, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 04 Oct 2021 19:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/940679fa-f22e-11ec-b8fd-2f09a344cbce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Business, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Business, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Business, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get Back on Track After Leaving an Abusive Relationship? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 01 Oct 2021 21:24:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/945e88d4-f22e-11ec-b8fd-033ce851e85a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is $1,000 Really Enough of an Emergency Fund in a Pandemic? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Business, Retirement, Insurance, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 01 Oct 2021 20:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94b6bbee-f22e-11ec-b8fd-877a7098a936/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business, Retirement, Insurance, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Business, Retirement, Insurance, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business, Retirement, Insurance, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How Do I Manage Difficult Work Hours as a Tennis Instructor? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 01 Oct 2021 19:35:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/950ead9a-f22e-11ec-b8fd-4f26f9f7e830/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb6bb737-e4dc-4ebe-8bd5-989ac296c1f1]]></guid>
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    </item>
    <item>
      <title>Helping a Mother Make Wise Decisions After a Tragic Accident (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 30 Sep 2021 21:24:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/95663f4c-f22e-11ec-b8fd-ff65e8c9c41b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0ebea0a5-e526-4a8e-a9cc-de67a076dff7]]></guid>
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    </item>
    <item>
      <title>My Life Is Upside Down...How Do I Get Back on Track? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 30 Sep 2021 20:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/95be3db4-f22e-11ec-b8fd-bf2f03ed7b77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7a3728bc-19e8-4bd7-8200-24097467a1ea]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7190715002.mp3?updated=1655907702" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Change to a Different Career Path in the Same Field? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 30 Sep 2021 19:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9615b3d2-f22e-11ec-b8fd-7b4df5fb972b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is Living in a Van To Save Money a Little TOO Gazelle Intense? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 29 Sep 2021 21:24:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/966e5f8c-f22e-11ec-b8fd-bb7085d78d14/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Pay Cut for My Dream Job? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 29 Sep 2021 20:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9719d06a-f22e-11ec-b8fd-07d71118ed5c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How Do I Deal With a Collector Who Won't Negotiate? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 29 Sep 2021 19:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97737e1c-f22e-11ec-b8fd-9fe89526ea0b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[890dbd33-92d0-47e1-9e10-8764a96a0fe2]]></guid>
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    </item>
    <item>
      <title>Should My Boyfriend and I Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Sep 2021 21:24:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97d2450a-f22e-11ec-b8fd-9bfb6db9ac0c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9e2c2831-56b6-4062-ba40-0d40f8a65721]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4741259597.mp3?updated=1655907709" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Having a Hard Time Sticking to the Budget (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Home Buying, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Sep 2021 20:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/982b4880-f22e-11ec-b8fd-53f6111880c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying, Investing As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying, Investing
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying, Investing</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Timeshares Suck Theme Hour (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Timeshare Horror Story Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 28 Sep 2021 19:34:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/988359f8-f22e-11ec-b8fd-cff8e16552a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Horror Story Theme Hour As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Timeshare Horror Story Theme Hour
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Horror Story Theme Hour</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c376e427-979c-4a24-a207-ab6f7fc23449]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2638742683.mp3?updated=1655907712" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Sell My Rentals While the Market Is Hot? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 27 Sep 2021 21:24:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98dbcdfe-f22e-11ec-b8fd-4b3d91248d0f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Rent-to-Own a Home From Our Parents? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Buying, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 27 Sep 2021 20:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99347788-f22e-11ec-b8fd-8fbacadd439f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Taxes As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Taxes
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Taxes</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Gold Digger Is Draining All My Father-in-Law’s Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 27 Sep 2021 19:34:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99a39e10-f22e-11ec-b8fd-a3577a6ee58c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Investing, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Investing, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Investing, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Girlfriend and I Aren't on the Same Page Financially (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Sep 2021 21:24:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99fca898-f22e-11ec-b8fd-b7ab33380ef9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6211a72f-0831-4599-b185-115bbebd9b73]]></guid>
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    </item>
    <item>
      <title>I Was Stuck With an RV After a Divorce (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Sep 2021 20:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a740398-f22e-11ec-b8fd-7bf5e8b0395e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing, Savings As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing, Savings
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing, Savings</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e5a6cf0a-5bd2-4022-86ab-eb2cc290ec14]]></guid>
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    </item>
    <item>
      <title>My Husband Is Not on Board With Me Being a Stay-at-Home Mom (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Savings, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 24 Sep 2021 19:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9af1038e-f22e-11ec-b8fd-1f7066334168/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1f860b74-2084-47c3-b1fd-363d0920434e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1839369190.mp3?updated=1655907736" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should We Buy a House Now or Wait? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Sep 2021 21:24:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9b624dd2-f22e-11ec-b8fd-3ffc040bf2a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d82ad305-1beb-4c9d-870d-a772faf168a0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2879138836.mp3?updated=1655907742" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Take On Debt To Start a New Career? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Savings, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Sep 2021 20:34:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9bbb8a96-f22e-11ec-b8fd-a3c29e70fe4c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Insurance, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Insurance, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Insurance, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c69c1483-8db0-48ea-b9cc-add253c29c21]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4738025631.mp3?updated=1655907743" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Does Dating Look Like on the Baby Steps? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 23 Sep 2021 19:34:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c13bf9a-f22e-11ec-b8fd-c3276a7d50c9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Roommate Won't Communicate With Me About Our Lease (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Sep 2021 21:24:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c6be77e-f22e-11ec-b8fd-f310d13f4e58/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How Do I Handle Getting Passed Over for a Promotion? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Sep 2021 20:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9cc44fae-f22e-11ec-b8fd-ef3f0316fe7f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Am I Being Underpaid at My Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 22 Sep 2021 19:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9d32edf6-f22e-11ec-b8fd-87a718684093/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>How to Get Current on Your Bills When You're Behind (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Sep 2021 21:24:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9d9a4ab4-f22e-11ec-b8fd-c30846473612/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[35ba57a0-1bcf-4496-99c3-9d23d8887e8c]]></guid>
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    <item>
      <title>Can I Buy an Expensive ATV? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Sep 2021 20:34:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9dfe960e-f22e-11ec-b8fd-33d92f46bf9d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[22733d35-df09-4afb-b72e-64badb2b61ae]]></guid>
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    <item>
      <title>Is There a Better Option Than a 401(k) for Me? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career, Investing, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 21 Sep 2021 19:34:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9e541534-f22e-11ec-b8fd-6b5d67f8e38b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Investing, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Investing, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Investing, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2153a16f-7e39-485c-a7e0-58cd1f68a264]]></guid>
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    <item>
      <title>My Bank Is Pressuring Me To Take Out a Business Card (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Sep 2021 21:24:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9eaa50c0-f22e-11ec-b8fd-f3883505b6ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3901512292.mp3?updated=1655907757" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Data Doesn’t Lie: Teachers CAN Become Millionaires! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Buying, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Sep 2021 20:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f007cd4-f22e-11ec-b8fd-67d4ca283dbc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dave Referees a Couple's Disagreement About Baby Step 3B (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 20 Sep 2021 19:34:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f56d2f0-f22e-11ec-b8fd-8379a576c935/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2472</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Has Been Paying Into Whole Life Insurance for Over 30 Years! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Sep 2021 21:24:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9fac20a2-f22e-11ec-b8fd-8352b0cb6587/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Stay in a Job I Hate so We Can Pay Off Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Sep 2021 20:34:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a0033338-f22e-11ec-b8fd-bfe29351fda8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dig Yourself Out of Debt Faster With a Bigger Shovel (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 17 Sep 2021 19:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a05bb756-f22e-11ec-b8fd-5b04b9c39d6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Family Is Accusing Me of Stealing Money From My Mom (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Sep 2021 21:24:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a0b2aee4-f22e-11ec-b8fd-cfa705ccb4fb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dffda3a2-3040-46bf-9bba-b20eff9aff7f]]></guid>
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    <item>
      <title>Our Teenagers Are Constantly Lying to Us (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Sep 2021 20:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a1e180a6-f22e-11ec-b8fd-1faeda5663e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Save Extra Funds or Put Them Toward Our Mortgage? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 16 Sep 2021 19:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a39577ae-f22e-11ec-b8fd-b31076a7dd6b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3de7bc8d-a443-4199-b18c-4672b6ab08ca]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2144357198.mp3?updated=1655907759" length="0" type="audio/mpeg"/>
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    <item>
      <title>My Son’s Deadbeat Roommate Isn’t Paying His Share of the Rent (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Sep 2021 21:24:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3eb6e52-f22e-11ec-b8fd-6788b8327330/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How To Get the Next Generation To Care About Personal Finance (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Sep 2021 20:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a440b8a8-f22e-11ec-b8fd-3778f83ff82d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Business, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Prepare Financially for Another Round of COVID? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Budgeting, Business, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 15 Sep 2021 19:34:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a49821e2-f22e-11ec-b8fd-ab44f84ea7c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Business, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Business, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Business, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2472</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It Worth $100k To Go Back to Law School? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Sep 2021 21:24:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a4ef90bc-f22e-11ec-b8fd-ab88e9ff4e14/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Son Has Substance Abuse Issues...How Do I Set Up My Will? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Sep 2021 20:34:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a545cc3e-f22e-11ec-b8fd-83f5c3987c92/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Pursue My Dream Job and Still Make Ends Meet? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 14 Sep 2021 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a59d6de0-f22e-11ec-b8fd-4343743440e8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Pay Parents Back for a $40K Gift? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Relationships, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Sep 2021 21:24:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a5faddfe-f22e-11ec-b8fd-4747fd93a181/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Business, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Business, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Get a Loan To Keep the Business Afloat? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Sep 2021 20:34:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a652c0aa-f22e-11ec-b8fd-c75286cc1c7f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Thinks I Should Trade In for a New Car Every Year (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 13 Sep 2021 19:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8240d12-f22e-11ec-b8fd-631e6b83df15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>I’m Almost Done With My Debt Snowball but Hesitant To Finish</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Sep 2021 21:24:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8d735fe-f22e-11ec-b8fd-67a0a5c5aa63/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell My House in Order To Start Over?</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Sep 2021 20:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a92d0628-f22e-11ec-b8fd-2bdfbc6ab815/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Selling, Investing</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Selling, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2404</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Is Addicted to Fantasy Football Gambling</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Budgeting, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 10 Sep 2021 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a982eae8-f22e-11ec-b8fd-d74866a4e34b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Relationships, Investing</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Be Looking for a Job Right Now? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Sep 2021 21:24:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a9d939de-f22e-11ec-b8fd-a3c3836b50b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Savings</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Cash Should I Keep At Home? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Sep 2021 20:34:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa3a193e-f22e-11ec-b8fd-9b4d29db8bce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings</itunes:subtitle>
      <itunes:summary>Debt, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>This Inspiring Single Mom Paid Off $41K in One Year! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Education, Career
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 09 Sep 2021 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa8fa5b6-f22e-11ec-b8fd-fbac905f4f86/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Education, Career</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Education, Career
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Education, Career</p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Finance Solar Panels? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Relationships, Insurance, Home Selling
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Sep 2021 21:24:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aae55920-f22e-11ec-b8fd-3be6e74bec9b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Insurance, Home Selling</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Insurance, Home Selling
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Insurance, Home Selling</p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eb603df6-59fe-4e60-aabc-0953dabd09e2]]></guid>
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    <item>
      <title>Here's Why the Baby Steps Work! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Savings, Retirement, Investing
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Sep 2021 20:34:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab3c0a40-f22e-11ec-b8fd-bb965dc3c741/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Retirement, Investing</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Retirement, Investing
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Retirement, Investing</p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Refuses To Combine Our Finances (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 08 Sep 2021 19:34:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab92ca10-f22e-11ec-b8fd-bfe6f1d1c783/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Career</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY:  https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator:  https://bit.ly/2Q64HME

 Insurance Coverage Checkup:  https://bit.ly/3sXwUn5

 Complete Guide to Budgeting:  https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts:  https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY:  <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator:  <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup:  <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting:  <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts:  <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title> My Sister Messed Up My Business Tax Returns (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </description>
      <pubDate>Tue, 07 Sep 2021 21:24:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/abea8d68-f22e-11ec-b8fd-bb06581438a2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With $85,000 in Savings? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 07 Sep 2021 20:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ac46fe36-f22e-11ec-b8fd-8f642aa20c29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career</itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Grow My Business Without Burning Out? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Selling, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 07 Sep 2021 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ac9c1434-f22e-11ec-b8fd-27c870d36428/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling, Savings</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can We Afford for Me To Go Back to Work? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/can-we-afford-for-me-to-go-back-to-work-hour-3</link>
      <description>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Sep 2021 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/acfaeac2-f22e-11ec-b8fd-1fbf15ed874e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2494</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have To Get Intentional With Your Dollars! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/you-have-to-get-intentional-with-your-dollars-hour-2</link>
      <description>Debt, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Sep 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad507050-f22e-11ec-b8fd-63b74e6f7490/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Which Investments Should I Pick for My 401(k)? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/which-investments-should-i-pick-for-my-401k-hour-1</link>
      <description>Debt, Investing, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 06 Sep 2021 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ada8c4bc-f22e-11ec-b8fd-5f62ee396dc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Not a "Gift" if You Hold It Over Someone's Head! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Sep 2021 21:24:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aec0a3ba-f22e-11ec-b8fd-4fc384854102/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Ex Bought My Son a New Car Right After I Bought Him a Used One (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Sep 2021 20:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af166dcc-f22e-11ec-b8fd-c3d8f9b9add7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>I'm Being Advised Not To Take a 2nd Job (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 03 Sep 2021 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af6b7088-f22e-11ec-b8fd-df0faa511d09/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2460</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Not Passionate About the Business I Started (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Sep 2021 21:24:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/afc3b4e6-f22e-11ec-b8fd-e37328bf6d7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2446</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Is Sure That the World Will End Soon (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Sep 2021 20:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b019f824-f22e-11ec-b8fd-6b19ef91d1ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2419</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Keep Student Loans Around Like a Pet! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 02 Sep 2021 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0707d0c-f22e-11ec-b8fd-ab7a9a4cd6cb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do Phantom Stocks Work? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Taxes, Career, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Sep 2021 21:24:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0c6ff92-f22e-11ec-b8fd-238796230484/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Career, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Career, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Career, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Quit My Gambling Addiction but Still Live Paycheck to Paycheck (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Sep 2021 20:34:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b13014be-f22e-11ec-b8fd-97e0ed6744fb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2451</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f36b165c-74b2-42da-adf2-28a5f1eb1fdc]]></guid>
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    <item>
      <title>You Don't Have To Trade Money for Happiness! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 01 Sep 2021 19:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b18f4b64-f22e-11ec-b8fd-fb2c24ca38c5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Gain Credit Card Points...Gain WEALTH! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Budgeting, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 31 Aug 2021 21:24:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b2525226-f22e-11ec-b8fd-c7fea493ac69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Budgeting, Retirement, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Budgeting, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Budgeting, Retirement, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2393</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Shortcuts Result in Setbacks! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Retirement, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 31 Aug 2021 20:34:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b2bbfa32-f22e-11ec-b8fd-d3e38f4a993c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Home Selling, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Home Selling, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Talk to My Boss About Future Pay? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 31 Aug 2021 19:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b3125eae-f22e-11ec-b8fd-93f58e8844ef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Bought a Money Pit! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 30 Aug 2021 21:24:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b367f63e-f22e-11ec-b8fd-f759bc7eb780/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career, Savings, Home Buying</itunes:subtitle>
      <itunes:summary>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Sign up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Be Doing With My Money Right Now? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 30 Aug 2021 20:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b3be94ee-f22e-11ec-b8fd-c3c90d6ab63e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling</itunes:subtitle>
      <itunes:summary>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Sign up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[19ba6bdd-bbb0-4418-84ad-d10d1e245bc6]]></guid>
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    </item>
    <item>
      <title>Can I Afford To Move Out of My Parents' House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 30 Aug 2021 19:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b42e7746-f22e-11ec-b8fd-574b8ff7f182/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing</itunes:subtitle>
      <itunes:summary>Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Sign up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2456</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Just Left Me and I'm Trying To Get My Finances Together (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 27 Aug 2021 21:25:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b48436d6-f22e-11ec-b8fd-cf95ecf07cff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[656ad813-ab5e-40e5-9e69-d173696a4d89]]></guid>
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    <item>
      <title>What Should We Do About Our Older Cars? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 27 Aug 2021 20:33:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b4da666e-f22e-11ec-b8fd-5b65badaea37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>Are We Overspending on Our Wedding and Honeymoon? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 27 Aug 2021 19:32:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b5343bf8-f22e-11ec-b8fd-fbf0c08b9025/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
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    <item>
      <title>Should I Stop Paying Off Debt To Buy a Car? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-stop-paying-off-debt-to-buy-a-car-hour-3</link>
      <description>Debt, Relationships, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 26 Aug 2021 21:06:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b58b2c4c-f22e-11ec-b8fd-a36a29eec36e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2432</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Budget With an Irregular Income? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 26 Aug 2021 20:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b5e57b98-f22e-11ec-b8fd-bba1491c41c5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2461</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Start Investing as a College Student? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 26 Aug 2021 19:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b63ba34c-f22e-11ec-b8fd-53a09a9fd935/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2491</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Here Are the Steps to Becoming Everyday Millionaires! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaires Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 25 Aug 2021 21:26:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b69079d0-f22e-11ec-b8fd-5773cbde91e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaires Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Everyday Millionaires Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaires Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband's Union Is About To Go on Strike (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 25 Aug 2021 20:38:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b70dd10a-f22e-11ec-b8fd-b38cb3cd3e29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2166</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Use My Credit Card for Business Expenses? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 25 Aug 2021 19:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b7637268-f22e-11ec-b8fd-17d250709dd1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Insurance, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Insurance, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Use My 401(k) To Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Home Selling, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 24 Aug 2021 21:27:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b7ca26f2-f22e-11ec-b8fd-534a834cda3d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Selling, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Selling, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Selling, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Wants To Put Us in Debt for a Tesla (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 24 Aug 2021 20:33:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b820d7fe-f22e-11ec-b8fd-6b5ff29048dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Girlfriend Prioritizes Fun Over Paying Off Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 24 Aug 2021 19:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b878880a-f22e-11ec-b8fd-27d0e9bcb451/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Deal With Places That Don't Take Cash? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 23 Aug 2021 21:27:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b8d10caa-f22e-11ec-b8fd-4791759a8708/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Raise Tuition at My School To Be Able To Pay Teachers More? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 23 Aug 2021 20:33:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b92964ae-f22e-11ec-b8fd-7f7486369eba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Put My Best Foot Forward in a Job Interview? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 23 Aug 2021 19:32:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b980caf0-f22e-11ec-b8fd-477182b69457/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Wait Until I'm Debt-Free To Start a Business? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 20 Aug 2021 21:27:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b9d8e4a6-f22e-11ec-b8fd-7390f92bf7b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Job at a Company With a Questionable Culture? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 20 Aug 2021 20:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ba30a916-f22e-11ec-b8fd-3be9a7cc66df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 17 With $25,000 in Savings...What Should I Do? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 20 Aug 2021 19:32:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ba879ab4-f22e-11ec-b8fd-fbad0d92f386/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It Biblical To Accumulate Wealth? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 19 Aug 2021 21:27:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/badfdfc6-f22e-11ec-b8fd-1f73fac5e09e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Drive 40,000 Miles a Year...How Do I Handle a Car Allowance? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 19 Aug 2021 20:33:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bb6043f0-f22e-11ec-b8fd-0bb5793d8abd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can We Plan for Kids When We Have Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Selling, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 19 Aug 2021 19:32:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bbbe2a38-f22e-11ec-b8fd-03f5c145b18f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Son Is My Boss and He Hasn't Given Me a Raise in 8 Years! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Insurance, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 18 Aug 2021 21:27:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bc13ed88-f22e-11ec-b8fd-fb1462337cca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Insurance, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Insurance, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Insurance, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can't Wander Out of Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Insurance, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 18 Aug 2021 20:33:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bc6d22f4-f22e-11ec-b8fd-cb6ac82e806c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Insurance, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Insurance, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Insurance, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Comfortably Retire on $3 Million? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 18 Aug 2021 19:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bcc2549a-f22e-11ec-b8fd-ef5e0fa3f642/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Sell Our Home and Live in an RV? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 17 Aug 2021 21:27:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bd17fbde-f22e-11ec-b8fd-3fe47f58c605/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 19 and Got Kicked Out of the House (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Budgeting, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 17 Aug 2021 20:33:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bd6d9580-f22e-11ec-b8fd-77377177345c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Budgeting, Career, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Budgeting, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Budgeting, Career, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Paid More for Our House Than We Wanted To Spend (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 17 Aug 2021 19:32:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bdc35006-f22e-11ec-b8fd-1f3d12f9eabb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Our Company Never Seems To Turn a Profit (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 16 Aug 2021 21:27:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be1b15ac-f22e-11ec-b8fd-ff5bc1f791f2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off $300,000 of Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 16 Aug 2021 20:33:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be8cdfc0-f22e-11ec-b8fd-83f74972206b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Fall for a "Crime" Share! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 16 Aug 2021 19:32:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/befc5fa8-f22e-11ec-b8fd-9fa87fac75b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Horror Story Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Horror Story Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[48565485-b1cd-4260-a661-e1926957d5ae]]></guid>
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    <item>
      <title>Should I Buy a Car or Take Public Transportation? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 13 Aug 2021 21:27:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bf53eb74-f22e-11ec-b8fd-c36a985f84b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Business, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Go to Medical School Debt Free? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 13 Aug 2021 20:33:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bfa9b00e-f22e-11ec-b8fd-ebfdd78c8356/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Education, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Pay Off Debt, Buy Car, or Do Home Repairs? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 13 Aug 2021 19:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c012e740-f22e-11ec-b8fd-2f30b8d7c648/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Relationships, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Relationships, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Debt-Free and Living With Grandma…What Do I Do Now? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 12 Aug 2021 21:26:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c06bfca4-f22e-11ec-b8fd-4b50644cc848/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
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    <item>
      <title>How and When Do I Start Pulling From Retirement? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 12 Aug 2021 20:33:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c0c4adfe-f22e-11ec-b8fd-6b702a790863/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
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    <item>
      <title>Should I Sell Individual Stocks? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 12 Aug 2021 19:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c1225ee0-f22e-11ec-b8fd-a76eb488769d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Home Selling, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Dave, What Mutual Funds Do You Recommend? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Education, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 11 Aug 2021 21:27:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c1865d6e-f22e-11ec-b8fd-539921378589/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Education, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Education, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Education, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Money Should Be in Our Emergency Fund? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Saving, House Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 11 Aug 2021 20:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c1e76758-f22e-11ec-b8fd-97479e462165/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, House Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Saving, House Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, House Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Use Credit Cards if I Pay Them Off Every Month? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 11 Aug 2021 19:34:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c2429f9c-f22e-11ec-b8fd-7f2acb562298/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
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    <item>
      <title>Stay at a Job I Hate Until I’m Debt Free? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 10 Aug 2021 21:26:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c29e6da4-f22e-11ec-b8fd-9fea470f92e2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m an MMA Fighter, Should I Have Bigger Emergency Fund? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 10 Aug 2021 20:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c2f92582-f22e-11ec-b8fd-fb7b36ba010f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
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      <title>Should I Find a New Job or Go Back to School? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, House Selling, House Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 10 Aug 2021 19:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c35b2eda-f22e-11ec-b8fd-b31372e6d138/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, House Selling, House Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, House Selling, House Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, House Selling, House Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
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      <title>Help! My Husband Needs Ideas To Make More Money! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 09 Aug 2021 21:26:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c3b99eca-f22e-11ec-b8fd-1bd42e17fcc6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Investing, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Budgeting, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Investing, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
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      <title>Should I Keep Clients Questioning My New Prices? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 09 Aug 2021 20:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4130172-f22e-11ec-b8fd-4f45a044272a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Business, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
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      <title>Should I Sell My Car That’s Underwater? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 09 Aug 2021 19:31:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c46c7270-f22e-11ec-b8fd-c339e7ef047c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How Can I Find a Better Paying Job? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 06 Aug 2021 21:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4c5764a-f22e-11ec-b8fd-b7875b421320/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Side Hustle Is Wearing Me Out (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 06 Aug 2021 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c51e31c2-f22e-11ec-b8fd-83e9d164680e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>What Kind of Degree Should I Get? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 06 Aug 2021 19:31:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5785468-f22e-11ec-b8fd-efc9090e8fb5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Business, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With a 401(k) From a Previous Job? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/what-should-i-do-with-a-401k-from-a-previous-job-hour-3</link>
      <description>Debt, Investing, Savings, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 05 Aug 2021 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5d0e560-f22e-11ec-b8fd-afa871947729/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Retirement, Career</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Want Me To Get a Credit Card (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/my-parents-want-me-to-get-a-credit-card-hour-2</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 05 Aug 2021 21:30:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6299cdc-f22e-11ec-b8fd-9f65eb8f0714/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Do I Do if I Need To Evict Someone? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Taxes, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 05 Aug 2021 19:31:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c681f832-f22e-11ec-b8fd-7f900a8b01df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Taxes, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
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    <item>
      <title>I'm 71 Years Old With No Retirement Savings (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 04 Aug 2021 21:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6da433e-f22e-11ec-b8fd-8b63b025ca7a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Employment Contract Says I Can't Have a Side Hustle (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 04 Aug 2021 20:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c7325344-f22e-11ec-b8fd-836af5fc25f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With Over $1 Million in Savings? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Savings, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 04 Aug 2021 19:31:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c7942a6a-f22e-11ec-b8fd-97300f429ce8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have $415,000 in Med School Debt...What Do I Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 03 Aug 2021 21:36:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c7ece6fa-f22e-11ec-b8fd-d73d5e25a6b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Still Own a House With My Ex-Wife! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 03 Aug 2021 20:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c844368a-f22e-11ec-b8fd-9b406b5486ef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Introducing Ramsey Personality George Kamel! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 03 Aug 2021 19:31:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c89bc3a0-f22e-11ec-b8fd-b77cfb2dc920/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Go Into Debt To Buy Into a Medical Practice? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 02 Aug 2021 21:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c8f2e2ca-f22e-11ec-b8fd-1fb6ef949924/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Career Should Be a Trail Blaze...NOT a Treadmill! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 02 Aug 2021 20:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c949f6d2-f22e-11ec-b8fd-03b00af980c5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Prove I'm Worthy of a Promotion? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 02 Aug 2021 19:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9ac3a04-f22e-11ec-b8fd-1fa4d86f3198/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2472</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Enables My Older Brother Financially (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Jul 2021 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca018306-f22e-11ec-b8fd-8ba6db8ea64e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Work in a Rough Environment...Should I Leave? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Jul 2021 20:36:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca563770-f22e-11ec-b8fd-af5d15255074/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Compromise My Morals To Keep a Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Jul 2021 19:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cacb5938-f22e-11ec-b8fd-7fd245e6bfca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mother-in-Law Gossips About Me (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Budgeting, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Jul 2021 21:37:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb27b796-f22e-11ec-b8fd-1382481db937/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Budgeting, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Budgeting, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Budgeting, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Afford To Buy a Tesla? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Jul 2021 20:37:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb7fc044-f22e-11ec-b8fd-5354d5d07a28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>I Lost Everything Due to a Toxic Relationship (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Jul 2021 19:32:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cbdad574-f22e-11ec-b8fd-978139050da8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
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    <item>
      <title>Want To Become a Millionaire? Here’s How… (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Retirement, Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Jul 2021 21:36:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc33c40e-f22e-11ec-b8fd-f728df3a34d4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Millionaire Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Millionaire Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2409</itunes:duration>
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      <title>How Do I Get My Husband on a Budget? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Savings, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Jul 2021 20:36:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc8c6bc2-f22e-11ec-b8fd-13793622502b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Savings, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Relationships, Savings, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Savings, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>How Do I Leave a Great Legacy? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Jul 2021 19:31:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cce3de34-f22e-11ec-b8fd-0b67bf9efbc1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
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    <item>
      <title>Should I Pay Off My House or Start Investing? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Saving, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Jul 2021 21:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd3abf88-f22e-11ec-b8fd-4ffd099bdb2e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Saving, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Retirement: When Should I Start Saving for It? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Saving, House Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Jul 2021 20:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cda9efc0-f22e-11ec-b8fd-6bebeb3b8c0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Saving, House Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Saving, House Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Saving, House Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Timeshares Suck Theme Hour (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Savings, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Jul 2021 19:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce01425c-f22e-11ec-b8fd-af9e8d5dcb72/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Savings, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>EntreLeadership Theme Hour: Mental Health Can Impact Your Business! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Relationships, Mental Health
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Jul 2021 21:36:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce6b49c2-f22e-11ec-b8fd-e79fc7cbda6e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Mental Health Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Business, Relationships, Mental Health
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Mental Health</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Freaks Out When I Spend Money! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budget, Mental Health, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Jul 2021 20:36:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cee56928-f22e-11ec-b8fd-bb2a0e15d0b9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budget, Mental Health, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budget, Mental Health, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budget, Mental Health, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do You Have a Case of Stuff-Itus? With Guests: The Minimalists in Studio (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Jul 2021 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf3d1a4c-f22e-11ec-b8fd-1f75bf28873a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Balance Volunteering With Increasing My Income? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Jul 2021 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf952084-f22e-11ec-b8fd-772115823861/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Husband Needs To Grow Up! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Jul 2021 20:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d00915ac-f22e-11ec-b8fd-4f43079f0aa3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Pay Cut for a Less Stressful Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Jul 2021 19:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d061238c-f22e-11ec-b8fd-37085b8eba0d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Are We Ready To Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Jul 2021 21:36:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d0b880fa-f22e-11ec-b8fd-c36269de4014/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pursue My Dream Job if It Means Less Income? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Jul 2021 20:36:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1293a70-f22e-11ec-b8fd-4f6332a78021/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d57401f6-8ad9-421c-8c53-6f8aff2f898f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1814833539.mp3?updated=1655907780" length="0" type="audio/mpeg"/>
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    <item>
      <title>Louie Giglio Joins In-Studio (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Jul 2021 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d180a3dc-f22e-11ec-b8fd-e74ec587e982/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>They Paid Off $220,000 of Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Jul 2021 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1d7dd00-f22e-11ec-b8fd-83ab67366824/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
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    <item>
      <title>How Can I Help My Family Be Better With Money? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Jul 2021 20:36:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d24447f6-f22e-11ec-b8fd-9f1a45d0fa5c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>I Accepted a New Job and Doubled My Income! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Jul 2021 19:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2a12cf0-f22e-11ec-b8fd-771650d14116/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Great Uncle Wants To Leave His Estate to My Kids (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Jul 2021 21:36:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2f98d78-f22e-11ec-b8fd-eb308b0a2dd8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell My Movie Theater?  (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Jul 2021 20:36:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3511944-f22e-11ec-b8fd-5ba35d5d4fd1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Be Supportive When People Do Stupid Things! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Jul 2021 19:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3a91446-f22e-11ec-b8fd-67a9f8860684/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Continue To Volunteer if It Costs Me Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Jul 2021 21:36:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d400c5ec-f22e-11ec-b8fd-affec5169638/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Received a Terminal Diagnosis This Morning...How Do I Prepare My Wife? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Jul 2021 20:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d45819dc-f22e-11ec-b8fd-672967d84b3b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should We Do With a Lump Sum of Money? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Jul 2021 19:31:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d4b03356-f22e-11ec-b8fd-0bbca1df1f1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It Time for Me To Sell My Business? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Jul 2021 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d55c8d22-f22e-11ec-b8fd-630d330d5f36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Find Balance as a Wildlife Firefighter? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Jul 2021 20:36:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d60f2e3c-f22e-11ec-b8fd-0b7cbe0bc093/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancé Got a Job Offer...Should We Move? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Jul 2021 19:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d798eb58-f22e-11ec-b8fd-c7e0eff1de88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife Is Spending Faster Than We Can Save! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Jul 2021 21:36:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d7f2521a-f22e-11ec-b8fd-af24850ce983/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Use My HSA for Retirement? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Business, Career, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Jul 2021 20:36:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d84af7a8-f22e-11ec-b8fd-db4aa86795f1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Business, Career, Retirement, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Business, Career, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Business, Career, Retirement, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should We Do With a Large Settlement? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Jul 2021 19:31:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8a4e13c-f22e-11ec-b8fd-676d65092a50/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Say "No" to My Wife Wanting a New Car? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Jul 2021 21:36:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d914f468-f22e-11ec-b8fd-078b11891135/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 29 With 3 Kids and My Husband Passed Away (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Jul 2021 20:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d96ed168-f22e-11ec-b8fd-a7919d437508/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Don't Want the House My Grandma Has Offered Me (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Jul 2021 19:31:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9c84d38-f22e-11ec-b8fd-0f270930a783/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>As a College Student, How Can I Best Use My Savings? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Taxes, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Jul 2021 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da21eee2-f22e-11ec-b8fd-5f070e55fad5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Savings, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Savings, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Own 2 Houses but I'm Living in an Apartment (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Jul 2021 20:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da7b0f36-f22e-11ec-b8fd-c776b6de13c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy Out the Lease on Our Car? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Jul 2021 19:31:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dad4fce4-f22e-11ec-b8fd-4ffec2e32787/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2418</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Don't Have a Good Reason, but I Want a Divorce (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Jul 2021 21:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db2da7d6-f22e-11ec-b8fd-7f1b4412c600/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Having a Hard Time Spending My Late Husband's Insurance Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Jul 2021 20:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db8d0aaa-f22e-11ec-b8fd-eb92abf4f43d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Why Am I Depressed When I'm Successful in Life? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Jul 2021 19:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dbe6f2e0-f22e-11ec-b8fd-5ba06a8c0e45/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>How Do I Set Myself Up for a Better Future? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Jul 2021 21:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc428fe2-f22e-11ec-b8fd-ebdebb211747/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Can I Do Baby Step 2 Without My Husband Being On Board? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Career, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Jul 2021 20:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc9e977e-f22e-11ec-b8fd-9b638097ae93/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Career, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move In With My In-Laws While Paying Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Jul 2021 19:31:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dcf79ac2-f22e-11ec-b8fd-5b781d06f5d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm an Overwhelmed Single Mom and Don't Know What To Do (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Relationships, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Jul 2021 21:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd89bcc2-f22e-11ec-b8fd-cf650c343251/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Want Me To Fund Their Retirement! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Jul 2021 20:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/deb8c0b6-f22e-11ec-b8fd-d77f02c6e3c0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Normal Looks Good...but It Sucks! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Jul 2021 19:31:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df12dc9a-f22e-11ec-b8fd-bf8a2f505daf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Abusive Boyfriend Won't Let Me Leave My House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Jul 2021 21:36:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df6cfa54-f22e-11ec-b8fd-ab0c24aefc13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Buried Problems Have a High Rate of Resurrection! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Jul 2021 20:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dfc6820e-f22e-11ec-b8fd-77bab85ba924/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Cash Out an HSA To Pay Down Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Jul 2021 19:31:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e01f8f8e-f22e-11ec-b8fd-af4c4520e21a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Came to America With $20 in My Pocket and Now We're Millionaires! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Jul 2021 21:37:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e079730a-f22e-11ec-b8fd-476d1cdba78e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Job Offer From a Friend That Could Double My Income? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Jul 2021 20:36:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0d4040a-f22e-11ec-b8fd-8b86ba68aa7d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a4daf2da-3677-4205-a092-29673b70ddb6]]></guid>
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    <item>
      <title>Find a Proven Process and Commit Yourself to It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Jul 2021 19:31:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e12d4ccc-f22e-11ec-b8fd-4f2ae98caf3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c7aaac4-8f3f-4a04-9990-481488a5a954]]></guid>
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    <item>
      <title>We Were Hit With a Collections Bill That We Don't Owe (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/we-were-hit-with-a-collections-bill-that-we-dont-owe-hour-3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 05 Jul 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e19d02c4-f22e-11ec-b8fd-9baf3561110a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cd8f14d4-d15b-404b-957c-e35e473ceccb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8769685849.mp3?updated=1655907814" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Wife's Family Is Not Supportive of Her (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/my-wifes-family-is-not-supportive-of-her-hour-2</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 05 Jul 2021 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e213e3ee-f22e-11ec-b8fd-b3c2ad2ecaae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[531dfb60-f625-488e-b90f-3cbd5adf43a0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7435418005.mp3?updated=1655907811" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Should I Do With My 10-Year-Old's Income? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/what-should-i-do-with-my-10-year-olds-income-hour-1</link>
      <description>Debt, Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 05 Jul 2021 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e26e93e8-f22e-11ec-b8fd-0f4876f53121/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2434</itunes:duration>
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    <item>
      <title>Should I Sacrifice Time With My Kids for a Second Job? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-sacrifice-time-with-my-kids-for-a-second-job-hour-3</link>
      <description>Debt, Taxes, Investing, Business, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 02 Jul 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2c60312-f22e-11ec-b8fd-1b13e122b535/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Investing, Business, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Investing, Business, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Investing, Business, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
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    <item>
      <title>How Do We Plan College Savings for 5 Children? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-do-we-plan-college-savings-for-5-children-hour-2</link>
      <description>Debt, Career, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 02 Jul 2021 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e32647fe-f22e-11ec-b8fd-5bd8cb296009/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
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    <item>
      <title>Should I Buy a House When I Go to College? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/should-i-buy-a-house-when-i-go-to-college-hour-1</link>
      <description>Debt, Budgeting, Home Buying, Savings, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 02 Jul 2021 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3814c4e-f22e-11ec-b8fd-3b4febcb2efe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying, Savings, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying, Savings, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying, Savings, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
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      <title>Sometimes You Have To Tell Your Business To Behave! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Entreleadership Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 01 Jul 2021 21:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3d965dc-f22e-11ec-b8fd-d3b7d99c7d63/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Entreleadership Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Entreleadership Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Entreleadership Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
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    <item>
      <title>How Does a Spender Develop the Habit of Saving? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 01 Jul 2021 20:36:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e432bee8-f22e-11ec-b8fd-dbc65accd609/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Using Math in Financial Decisions Doesn't Account for Risk! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 01 Jul 2021 19:31:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e48bd32a-f22e-11ec-b8fd-83738dd41838/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Monetize a Teaching Idea? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Investing, Debt, Business, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 30 Jun 2021 21:36:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4e52c9a-f22e-11ec-b8fd-afbdb91a498d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Investing, Debt, Business, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Retirement, Investing, Debt, Business, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Investing, Debt, Business, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do While Going Through a Divorce? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 30 Jun 2021 20:36:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e53cc464-f22e-11ec-b8fd-0b34a9463964/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Fraud Is a Good Reason To Nullify a Timeshare Contract! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 30 Jun 2021 19:31:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e595d234-f22e-11ec-b8fd-cb5fb705cf04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Horror Story Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Horror Story Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2410</itunes:duration>
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    <item>
      <title>Should I Stop Paying My Son's Student Loans? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Career, Budgeting, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 29 Jun 2021 21:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6025710-f22e-11ec-b8fd-0f6d8df40209/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Career, Budgeting, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Career, Budgeting, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Career, Budgeting, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2406</itunes:duration>
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    <item>
      <title>My Financial Values Don't Align With My Career Field (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 29 Jun 2021 20:36:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e659e48a-f22e-11ec-b8fd-8fc31aa7dea8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>The State Is Acquiring My Rental Home (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 29 Jun 2021 19:31:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6b18758-f22e-11ec-b8fd-a715191adbd3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Handle $500k That I'm Inheriting? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 28 Jun 2021 21:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7098a70-f22e-11ec-b8fd-f7f02ae2ecd0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Does My Income Bracket Change My Investing? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Relationships, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 28 Jun 2021 20:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e76414c2-f22e-11ec-b8fd-ef0113b2c302/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships, Business, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships, Business, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Tell My Girlfriend That She Doesn't Get a Vote About My House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 28 Jun 2021 19:36:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7bd4880-f22e-11ec-b8fd-9340efe3a400/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Business</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2449</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Company Offered Me a Job That I'm Not Interested In (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 25 Jun 2021 21:36:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e814dfb4-f22e-11ec-b8fd-4f2acda7c110/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Should I Wait for My Work Environment To Improve? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 25 Jun 2021 20:36:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e86d51b2-f22e-11ec-b8fd-473e221fba6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
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    <item>
      <title>How Do I Balance "YOLO" With Saving for Tomorrow? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 25 Jun 2021 19:31:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8c5973c-f22e-11ec-b8fd-af8d36767c4b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2414</itunes:duration>
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    <item>
      <title>How Much Should We Be Saving for a Baby? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 24 Jun 2021 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e91e6038-f22e-11ec-b8fd-27e9f3fb09b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Work From Home To Avoid My Micromanaging Boss? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 24 Jun 2021 20:36:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e9766d96-f22e-11ec-b8fd-034e51fe2b62/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If I Move Out, I'll Be Living Paycheck to Paycheck (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 24 Jun 2021 19:31:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e9cde6d4-f22e-11ec-b8fd-43c8253fb159/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Thinks I Should Get a Second Job (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships, Business, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 23 Jun 2021 21:36:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea283ab2-f22e-11ec-b8fd-e3d433255eb0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Business, Retirement, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Business, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Business, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Co-Signed My Son's Student Loans (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 23 Jun 2021 20:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea80b2dc-f22e-11ec-b8fd-77d41ef3092f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancé Wants Me To Sign a Prenup (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 23 Jun 2021 19:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ead87a80-f22e-11ec-b8fd-170b56fa460d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have to Split My Car's Proceeds With My Ex (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 22 Jun 2021 21:36:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb814fde-f22e-11ec-b8fd-1f04bbba0e75/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Clean Out a House That Had a Meth Lab? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 22 Jun 2021 20:36:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ebd9f792-f22e-11ec-b8fd-478f28ca93dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm About to Take On a $300k Student Loan (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 22 Jun 2021 19:31:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec4fa3de-f22e-11ec-b8fd-5b71f71ab50c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Most Money Problems Are Self-Inflicted! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 21 Jun 2021 21:36:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecac80f4-f22e-11ec-b8fd-3b44d64d55fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We're Paying Off Our House...What's Next? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 21 Jun 2021 20:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed162dc4-f22e-11ec-b8fd-d76b8eab5b95/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Follow the Baby Steps When It Comes to Rentals? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 21 Jun 2021 19:31:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed6df388-f22e-11ec-b8fd-3b87b2a562a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Increase My Income Without Working Myself to Death? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Jun 2021 21:36:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/edc653de-f22e-11ec-b8fd-479731330222/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 16 Years Old...When Should I Buy a Truck? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Jun 2021 20:36:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee1e92d8-f22e-11ec-b8fd-13e0525545cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife and I Don't Agree on How Serious Debt Is (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 18 Jun 2021 19:31:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee76f45a-f22e-11ec-b8fd-abea70ba4147/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7c9b0550-a447-439e-a083-d0f25f39c991]]></guid>
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    <item>
      <title>We Got Suckered Into a Fraudulent Timeshare Agreement! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Jun 2021 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eecfa29e-f22e-11ec-b8fd-03743d867297/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Horror Story Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Timeshare Horror Story Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Horror Story Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[efc06292-a927-4a0f-bc91-d3653ab05cf0]]></guid>
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    <item>
      <title>I'm Living on My Line of Credit! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Jun 2021 20:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef3a210a-f22e-11ec-b8fd-4b362a9da125/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f00d434a-6e42-478f-b84a-61c06f86007f]]></guid>
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    <item>
      <title>My Wife and I Are Struggling With Our Money and Marriage (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Selling, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 17 Jun 2021 19:31:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef919642-f22e-11ec-b8fd-074dd9016111/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6553d4ae-8fa8-49f3-bb26-bd08e5c064da]]></guid>
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    <item>
      <title>Should I Start a Side Hustle To Help Pay Off Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Retirement, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Jun 2021 21:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/efe9b3ea-f22e-11ec-b8fd-8b47b1e622a0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[42b78200-60dd-40c7-a5dd-20fa859bfe61]]></guid>
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    <item>
      <title>No More Excuses...You HAVE To Do This! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Jun 2021 20:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f05b10bc-f22e-11ec-b8fd-0fb9cc3065d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d6fddb9b-febe-4b9e-b40e-526a1610f4bf]]></guid>
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    <item>
      <title>Am I Working Too Much? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 16 Jun 2021 19:31:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0c493c0-f22e-11ec-b8fd-b7e971b042bd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6296bea6-8811-4d23-98dc-db20b3c1bdc0]]></guid>
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    <item>
      <title>Should I Sell My Car To Accelerate My Debt Payoff? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Jun 2021 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f11e7b7e-f22e-11ec-b8fd-8f11a27acb15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell Some Jewelry To Pay Off Student Loans? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Jun 2021 20:36:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f179d6d6-f22e-11ec-b8fd-eb2ea4e115ea/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Education, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 15...What Should I Do With Money While in School? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 15 Jun 2021 19:31:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1d76a44-f22e-11ec-b8fd-2fe4a88d9f2e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancée and I Are Struggling To Stay on Budget (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Home Buying, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Jun 2021 21:36:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2313da8-f22e-11ec-b8fd-332b2a7e8b1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2424</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Should I Adjust My Investing After Getting a Promotion? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Savings, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Jun 2021 20:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f28a2756-f22e-11ec-b8fd-3b942aa98e71/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Home Buying, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Home Buying, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2449</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Protect My Savings From Inflation? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 14 Jun 2021 20:01:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2e23da6-f22e-11ec-b8fd-9b7047f23b09/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Deal With a Toxic In-Law? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Jun 2021 21:38:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f33bdcda-f22e-11ec-b8fd-2b09778f9388/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Feel Unfulfilled in My Career (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Jun 2021 20:34:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f393a1c2-f22e-11ec-b8fd-d73bb5f8c0d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Rent or Buy When We Move Back to My Home Town? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 11 Jun 2021 19:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3ec7360-f22e-11ec-b8fd-93b362c2d2d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Ministry Isn't Something That's Separate From Your Work (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Jun 2021 21:38:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4457a46-f22e-11ec-b8fd-7bfd9a928f83/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Shortcut to Any Place Worth Going To (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Jun 2021 20:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f49da5e0-f22e-11ec-b8fd-433d37c53f1b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Father Invested My Savings in Tesla Stock (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 10 Jun 2021 19:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4f58e7c-f22e-11ec-b8fd-83ce1f140298/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Does Opportunity Look Like? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Jun 2021 21:38:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f54dab98-f22e-11ec-b8fd-23503111755a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business</itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Bought a $60K Boat on Credit Without Consulting Me! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Selling, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Jun 2021 20:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5a5dd54-f22e-11ec-b8fd-8325e9b2cbc1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling, Career</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Relationships, Home Selling, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Always Appropriate To Ask for a Raise If You're Worth It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 09 Jun 2021 19:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5fdb36c-f22e-11ec-b8fd-cb5887ab6893/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Career</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[185c8f1e-41a8-4bf9-ab5c-de35890b1d2f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4802382241.mp3?updated=1655907853" length="0" type="audio/mpeg"/>
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    <item>
      <title>I Have $395K in Student Loans! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Jun 2021 21:38:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f656f8be-f22e-11ec-b8fd-abd88e106ef1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time To Make Your Life Behave! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Jun 2021 20:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6dfdb34-f22e-11ec-b8fd-87ce72d04d6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Let My Fiancée Help Pay Off My Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 08 Jun 2021 19:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f737cbe6-f22e-11ec-b8fd-dbdc0e1b0dd1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Budgeting, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Siblings Disagree About Our Late Mom's House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Retirement 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Jun 2021 21:38:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7907e62-f22e-11ec-b8fd-ff14891bc46a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Retirement 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Retirement<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Afraid That Work Is Straining My Relationship (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships, Investing, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Jun 2021 20:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7e982f0-f22e-11ec-b8fd-83453bc69f44/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Investing, Business</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Investing, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Investing, Business<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Pay Off Student Loans While in School? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Business, Home Buying, Savings 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 07 Jun 2021 19:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f871112a-f22e-11ec-b8fd-ff661ee9045e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Business, Home Buying, Savings</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Business, Home Buying, Savings 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Business, Home Buying, Savings<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[159a64a9-d84a-4ac4-b3ff-f8ce630f71cd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9815540942.mp3?updated=1655907858" length="0" type="audio/mpeg"/>
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    <item>
      <title>I'm 29 and Want To Move Out of My Mom's House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Jun 2021 21:38:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f8c992c8-f22e-11ec-b8fd-1b4956c43d3d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d4aa473-d33f-4ae6-b11c-e5aa1a752307]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2013402988.mp3?updated=1655907857" length="0" type="audio/mpeg"/>
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    <item>
      <title>My Wife Passed Away 10 Days Ago...What Are My Next Steps? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Jun 2021 20:34:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f9223f72-f22e-11ec-b8fd-6329ca35430f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7022709387.mp3?updated=1655907861" length="0" type="audio/mpeg"/>
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    <item>
      <title>Are You Willing to Give Up Your Career To Live Close to Family? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships  Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 04 Jun 2021 19:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f97aaf04-f22e-11ec-b8fd-83cb570b0854/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships  Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships<br> <br> Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[49d114b5-e0e2-481a-9fa3-d14bc3d383e0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2979199225.mp3?updated=1655907858" length="0" type="audio/mpeg"/>
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    <item>
      <title>A Timeshare Presentation Ruined My Wife's Birthday Trip! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Timeshare Horror Story Theme Hour 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Jun 2021 21:38:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f9d1bd9e-f22e-11ec-b8fd-d7612e96f56e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Horror Story Theme Hour</itunes:subtitle>
      <itunes:summary>Timeshare Horror Story Theme Hour 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Horror Story Theme Hour<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Debt-Free but Feel Guilty Spending Cash (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Jun 2021 20:34:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa2a7894-f22e-11ec-b8fd-8f4e3c2646c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Relationships 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7321012370.mp3?updated=1655907859" length="0" type="audio/mpeg"/>
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    <item>
      <title>Should I Use Single Stocks To Pay Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Budgeting, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 03 Jun 2021 19:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa83ba3a-f22e-11ec-b8fd-57779268ba8d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Budgeting, Business</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Budgeting, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Budgeting, Business<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Have To Inherit Money To Become a Millionaire!  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Jun 2021 21:38:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fadbfce0-f22e-11ec-b8fd-1fd95b72f3ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour</itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[599cd2fa-5bcf-46aa-9e91-358f42a967b1]]></guid>
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    <item>
      <title>I'm in So Much Debt That I'm Ready To Live in a Box! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Home Buying 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Jun 2021 20:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fb34d0d6-f22e-11ec-b8fd-3f9c3db39dda/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Buying 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Home Buying<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Do I Combine Finances With My Girlfriend? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings, Investing, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 02 Jun 2021 19:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fb8e3e5a-f22e-11ec-b8fd-7319079ea89f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Investing, Business</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Investing, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Investing, Business<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[414349f6-2170-4ff5-b719-11886b973dc0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7395490877.mp3?updated=1655907861" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Should I Stop Working on My Master's Degree so I Don't Take On Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Selling, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Jun 2021 21:38:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fbe9586c-f22e-11ec-b8fd-63b66e75f05e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling, Business</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling, Business 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling, Business<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9d1e505b-7d73-4327-adad-017f173041f5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2865509569.mp3?updated=1655907862" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>We Recently Relocated but I Can't Find a Job (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings  Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Jun 2021 20:34:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fc43f89e-f22e-11ec-b8fd-3f4b233b1b00/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings  Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings<br> <br> Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d694b4d6-70c3-4f9e-8005-43f02eacc244]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4363313926.mp3?updated=1655907863" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Do I Do After Paying Everything Off? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Relationships 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 01 Jun 2021 19:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fca6444a-f22e-11ec-b8fd-6f794216a4db/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Stop Working on My Master's Degree so I Don't Take On Debt? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-stop-working-on-my-masters-degree-so-i-dont-take-on-debt-hour-3</link>
      <description>Debt, Career, Education, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 May 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fcffbc1e-f22e-11ec-b8fd-5761b55bf4b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Education, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Recently Relocated but I Can't Find a Job (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/we-recently-relocated-but-i-cant-find-a-job-hour-2</link>
      <description>Debt, Savings, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 May 2021 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fd57463c-f22e-11ec-b8fd-3f05c0a46a65/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Do I Do After Paying Everything Off? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/what-do-i-do-after-paying-everything-off-hour-1</link>
      <description>Debt, Savings, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 31 May 2021 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fdb1cd82-f22e-11ec-b8fd-6f125300dcbe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Emergency Fund: How Much Money Is Too Much? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Saving, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 May 2021 21:38:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fe0afad8-f22e-11ec-b8fd-df1cc8d854c6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Budgeting, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Saving, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Budgeting, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Show My Co-workers Appreciation on a Limited Budget? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Saving, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 May 2021 20:34:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fe652698-f22e-11ec-b8fd-9334c376f922/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Saving, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budgeting, Saving, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Saving, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Pay Cut to Work a Career That I Love? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 28 May 2021 19:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fec05e3c-f22e-11ec-b8fd-d307e9504d3e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m 28 and Don’t Own a Credit Card, but My Mom Wants Me to! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 May 2021 21:38:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ff189dfe-f22e-11ec-b8fd-cf51212bf714/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d2ba0a60-169e-4690-a1d1-9aec67d18fe4]]></guid>
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    </item>
    <item>
      <title>How Quickly Should I Pay Off My Mortgage? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 May 2021 20:34:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ff70781c-f22e-11ec-b8fd-73d4705e07b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I’m on Baby Step 2, How Does That Affect My Career? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 27 May 2021 19:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ffc89448-f22e-11ec-b8fd-5b2e9615a685/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Selling, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Selling, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: People Paid Off Credit Cards in the Pandemic…and the Companies Are Pissed Off! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 May 2021 21:38:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00277a12-f22f-11ec-b8fd-973d562688da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Have a Credit Card if I Pay It Off Every Month? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Money, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 May 2021 20:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/008093ae-f22f-11ec-b8fd-7f8c0fe50f37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Money, Investing, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Money, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Money, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Have $60K Income and 3 Kids, Should We Still Take Money From Our Parents? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budget, Savings, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 26 May 2021 19:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00fd457a-f22f-11ec-b8fd-ff46e8f204a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budget, Savings, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budget, Savings, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budget, Savings, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Plan for Taxes as an Independent Contractor? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Savings, Real Estate
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 May 2021 21:38:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0155e806-f22f-11ec-b8fd-b7da1aa5f680/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Savings, Real Estate Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Business, Savings, Real Estate
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Savings, Real Estate</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Pull Equity Out of My House to Build a Pool? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 May 2021 20:33:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01d22650-f22f-11ec-b8fd-e3a5368711ed/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2401</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Help! I Hate Making a Budget, How Can I Enjoy It? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Saving, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 25 May 2021 19:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/022b8182-f22f-11ec-b8fd-13b0f4f1c2da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Saving, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budgeting, Saving, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Saving, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8450034885.mp3?updated=1655907872" length="0" type="audio/mpeg"/>
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    <item>
      <title>Do We Put Money Towards a Tax Bill or Investing in Property? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Real Estate, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 May 2021 21:38:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0285fb6c-f22f-11ec-b8fd-7f80898f7b56/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Real Estate, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Real Estate, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Real Estate, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Give Up My Career to Stay at Home With a New Baby? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 May 2021 20:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/02ddcc34-f22f-11ec-b8fd-db74c80f01bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>BREAKING NEWS: Biden DIDN’T Budget for Student Loan Forgiveness! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationship, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 24 May 2021 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/03365098-f22f-11ec-b8fd-fbfb3a7b491e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationship, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationship, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationship, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Wants To Buy Our Home (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Retirement, Home Buying, Home Selling, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 May 2021 21:38:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/038f55ee-f22f-11ec-b8fd-93622aacdd99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Home Buying, Home Selling, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Savings, Retirement, Home Buying, Home Selling, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Home Buying, Home Selling, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Need Help Deciding What To Do About an Apartment Deposit (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 May 2021 20:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/03edc408-f22f-11ec-b8fd-37bce707fa96/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Relationships Are the Currency of Success! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 21 May 2021 19:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/044688d6-f22f-11ec-b8fd-2bd101e0d11d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dave Goes After the Timeshare Industry! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Timeshare Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 May 2021 21:38:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/049e2730-f22f-11ec-b8fd-17b3d927e14a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshare Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Timeshare Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshare Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ce3ba418-988a-43b9-88ed-151bd92445be]]></guid>
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    </item>
    <item>
      <title>Are All-in-One Loans a Good Idea? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Timeshares, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 May 2021 20:33:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/04f734ec-f22f-11ec-b8fd-a3d0c69fe290/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Timeshares, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Timeshares, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Timeshares, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3590010080.mp3?updated=1655907878" length="0" type="audio/mpeg"/>
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    <item>
      <title>I Was Hired Less Than a Year Ago...Should I Still Switch Jobs? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Timeshares, Home Selling, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 20 May 2021 19:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05506d82-f22f-11ec-b8fd-8be9a05ba4ef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Timeshares, Home Selling, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Timeshares, Home Selling, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Timeshares, Home Selling, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My 36-Year-Old Son Is Living at Home (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 May 2021 21:38:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05a874be-f22f-11ec-b8fd-9fc5c8fecafc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move To Start My Career? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 May 2021 20:33:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06006516-f22f-11ec-b8fd-1b129f7e0d90/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Struggling To Find Motivation While in Nursing School (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Relationships, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 19 May 2021 19:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06582594-f22f-11ec-b8fd-a3315834fc9c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Education, Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Education, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Get Out of a Car Lease? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Investing, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 May 2021 21:38:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06b01588-f22f-11ec-b8fd-c3a7e41246ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Investing, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Investing, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Investing, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d666e1f-2ceb-42fb-80b8-4638d3b5e3c8]]></guid>
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    <item>
      <title>Should Prestige Play Into University Choice? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 May 2021 20:33:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/07082ef8-f22f-11ec-b8fd-e3880596452f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do My Husband and I Combine Accounts? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 18 May 2021 19:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0760ff24-f22f-11ec-b8fd-9b3f72cf23bd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f78349ca-f6f2-4677-98ad-419451216da8]]></guid>
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    <item>
      <title>Can I Use My Son's College Fund To Pay Off Taxes? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Taxes, Investing, Insurance, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 May 2021 21:38:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/07b9523c-f22f-11ec-b8fd-ab912058ed64/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Taxes, Investing, Insurance, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Taxes, Investing, Insurance, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Taxes, Investing, Insurance, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4437969768.mp3?updated=1655907885" length="0" type="audio/mpeg"/>
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    <item>
      <title>My Husband's Job Is Ending in 4 Months! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing, Savings, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 May 2021 20:33:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0812eb1c-f22f-11ec-b8fd-83e9d6c52aa8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Savings, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Savings, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Savings, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Re-Establish Trust With My Son? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 17 May 2021 19:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/08869440-f22f-11ec-b8fd-2f5a8264476a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Help My Struggling Fiancé (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 May 2021 21:38:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/08e18346-f22f-11ec-b8fd-27db3449ff98/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mom Is in a Relationship With a Married Man! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 May 2021 20:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09449f6c-f22f-11ec-b8fd-77a49a4236b9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Budgeting</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should My Wife Take a Job Out of State? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 14 May 2021 19:34:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/099d4bc6-f22f-11ec-b8fd-33da067c9e93/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career</itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Hate the Job I've Been at for 15 Years (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Career, Relationships, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 May 2021 21:38:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09f54d12-f22f-11ec-b8fd-3357f8b090f6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Career, Relationships, Investing</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Career, Relationships, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Career, Relationships, Investing</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6bb6615d-00ee-4fbd-b6b5-585c0a498fb0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3590505991.mp3?updated=1655907888" length="0" type="audio/mpeg"/>
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    <item>
      <title>Set Down What's Killing You and Pick Up What Gives You Energy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 May 2021 20:33:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a4de95e-f22f-11ec-b8fd-13807e51d181/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance</itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Stay Motivated? With Guest: Bart Millard of MercyMe (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 May 2021 19:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0aa58de4-f22f-11ec-b8fd-e394403b9fab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Savings</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Savings</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4b227a4e-6d84-452d-9cda-3a807e23e019]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9531995495.mp3?updated=1655907889" length="0" type="audio/mpeg"/>
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    <item>
      <title>I'd Rather Go to Culinary School Than College (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 May 2021 21:38:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0b01dba8-f22f-11ec-b8fd-538f3f871ad3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Education, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
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    <item>
      <title>How Can I Give My Daughter a Better Start Than I Had? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 May 2021 20:33:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0b5baa66-f22f-11ec-b8fd-6face5c8dab3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Doesn't Want To Talk About Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 12 May 2021 19:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0bb4ee3c-f22f-11ec-b8fd-cb007c53227b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Grandma Is Being Scammed by the Man She's Dating (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 May 2021 21:38:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0c0d8e5c-f22f-11ec-b8fd-13f5080906f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Not Your Job To Be Your Customer's Mommy! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Taxes, Business, Budgeting, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 May 2021 20:33:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0c67732c-f22f-11ec-b8fd-a7397cb3ac16/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Business, Budgeting, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Business, Budgeting, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Business, Budgeting, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Is the Best Way To Launch My Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 11 May 2021 19:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0cc20c4c-f22f-11ec-b8fd-c3858062ed46/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Invest an Inheritance? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Taxes, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 May 2021 21:38:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d19fdbc-f22f-11ec-b8fd-4bb39d62beee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Taxes, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Taxes, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Taxes, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Pay Off Medical Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 May 2021 20:33:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d7275a0-f22f-11ec-b8fd-3b9ccba4ffc7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Are Used Car Prices on the Rise? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 10 May 2021 19:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0dca217e-f22f-11ec-b8fd-83be7dd82ebb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2429</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should My Wife and I Share a Vehicle? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 May 2021 21:38:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0e50eef2-f22f-11ec-b8fd-d7004ac03c8b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Unsure How To Pay for College (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 May 2021 20:33:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0ea8aae8-f22f-11ec-b8fd-77e40fc0fe6b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get My Wife on Board With My Goals? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 07 May 2021 19:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0f01aa6c-f22f-11ec-b8fd-ebfcb37522df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2446</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Plan for a Family When We're in Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 May 2021 21:38:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0f5da4b6-f22f-11ec-b8fd-2f2583d4157e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[28a02568-30ab-4ef5-828c-9bbefb8dd658]]></guid>
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    <item>
      <title>I'm Having Second Thoughts About Buying a Home (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 May 2021 20:33:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0fb91044-f22f-11ec-b8fd-3734674b84bd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off Over $1 Million of Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 06 May 2021 19:34:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/10110fb0-f22f-11ec-b8fd-736223b7cff4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Should We Spend on a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 May 2021 21:38:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1068bf3a-f22f-11ec-b8fd-a3780f374902/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Budgeting, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Financially Plan for a Career Change? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 May 2021 20:33:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/10c0ec28-f22f-11ec-b8fd-3f019162d461/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Don't Trust Financial Advisors...How Do I Grow My $1 Million? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Business, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 05 May 2021 19:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1118c34e-f22f-11ec-b8fd-4b60248e77c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Business, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Business, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Business, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Keep Your Job Just Because of the Benefits! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>EntreLeadership Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 May 2021 21:38:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/118e43c6-f22f-11ec-b8fd-3b6d2e10d28f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Set Up a Will While Our Son Is in Jail? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 May 2021 20:33:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/11e5e2d4-f22f-11ec-b8fd-e30c4f6a8201/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2380</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Home We're About To Close on Got Flooded! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 04 May 2021 19:34:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/123d4af6-f22f-11ec-b8fd-c3ebd9548d95/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Insurance, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budgeting, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Insurance, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Set Up Retirement as a Freelancer? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 May 2021 21:38:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1294ff30-f22f-11ec-b8fd-9fc92db26f8e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Dissolve a LLC With an Ex-Friend? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 May 2021 20:33:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/12ebe052-f22f-11ec-b8fd-23db11e5c3cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is Cryptocurrency a Good Investment? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Taxes, Retirement, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 03 May 2021 19:34:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/134418e4-f22f-11ec-b8fd-7b7e7b89b0dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Taxes, Retirement, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Taxes, Retirement, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Taxes, Retirement, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should the Man I'm Dating Share My Expenses To Help Me Move Closer to Him? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Taxes, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Apr 2021 21:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/139de0c2-f22f-11ec-b8fd-1bd3e22bc850/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Taxes, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Taxes, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Taxes, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
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    <item>
      <title>I Work a Job Where I Don't Feel I Have a Purpose (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Apr 2021 20:34:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13f66bca-f22f-11ec-b8fd-032dce0d1643/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let Your Comfort Zone Become Your "Kill" Zone! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 30 Apr 2021 19:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/144eddc8-f22f-11ec-b8fd-2fe18f61236f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Pays Too Much Child Support (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Apr 2021 21:38:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/14a7528c-f22f-11ec-b8fd-abbe8d1c1679/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Daughter's Boyfriend Moved In With Her in a House That We Own (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Home Selling, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Apr 2021 20:33:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1500f7ce-f22f-11ec-b8fd-536e796d6b20/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Selling, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Home Selling, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Selling, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Haven't Planned Financially for My Disabled Brother (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 29 Apr 2021 19:34:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/155959c8-f22f-11ec-b8fd-273c05e253d9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Work at a College but Don't Support Some of the Degrees They Offer (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Apr 2021 21:38:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/15b1484a-f22f-11ec-b8fd-f7bcac878ff3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a Plane To Save Money in Flight School? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Apr 2021 20:33:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1608f6e4-f22f-11ec-b8fd-2b2bbaade252/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Our Home Builder Wants To Raise the Price of Our Contracted New Home (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Relationships, Insurance, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 28 Apr 2021 19:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1680ad42-f22f-11ec-b8fd-7bc0b4d80a5e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Insurance, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Insurance, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Insurance, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
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    <item>
      <title>We Live in My Boyfriend's Mother's Basement (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Savings, Relationships, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Apr 2021 21:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/173cbbcc-f22f-11ec-b8fd-232d777390fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings, Relationships, Career, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings, Relationships, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings, Relationships, Career, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
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    <item>
      <title>My Employer Is Interviewing People for My Job! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Investing, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Apr 2021 20:33:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1794d870-f22f-11ec-b8fd-6f4fe3c5f70c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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      <title>My Employer Is Toxic but They Pay My Tuition (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 27 Apr 2021 19:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17edd45c-f22f-11ec-b8fd-2f45a65586c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>My Mother Was Driving in a Car Accident That Killed My Grandmother (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Apr 2021 21:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/18462d32-f22f-11ec-b8fd-877444677162/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Space Do I Give a Grieving Friend? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Apr 2021 20:33:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/189e77a8-f22f-11ec-b8fd-2fe9ec7464d4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do I Need a Bigger Emergency Fund at 17? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Savings, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 26 Apr 2021 19:34:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1921e386-f22f-11ec-b8fd-7763ada3ddee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Savings, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, Savings, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Savings, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Tell My Employer I Want More To Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Relationships, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Apr 2021 21:38:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/197ca80c-f22f-11ec-b8fd-3b48699b3121/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Relationships, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Should I Change My Career at 62 Years Old? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Apr 2021 20:34:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19d6ed26-f22f-11ec-b8fd-e74a75ecf0b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2435</itunes:duration>
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      <title>I Finally Got My Dream Job but I'm Terrified! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Retirement, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 23 Apr 2021 19:34:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1a2eb042-f22f-11ec-b8fd-1787d89b98d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement, Business, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement, Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
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      <itunes:duration>2414</itunes:duration>
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    <item>
      <title>Should I Cut My Children Out of My Will? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Investing, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Apr 2021 21:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1adb372c-f22f-11ec-b8fd-e7eceec6d024/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Investing, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
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      <title>My Dad Spent All of the Money I Earned As a Child (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Home Buying, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Apr 2021 20:33:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b336b36-f22f-11ec-b8fd-a38e81b31dcd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Buying, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Use My Savings To Pay Off My Wife's Student Loans? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 22 Apr 2021 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b934cae-f22f-11ec-b8fd-e3199acbcc5b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancé Owes $140,000 to the IRS! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Taxes, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Apr 2021 21:38:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c19fb64-f22f-11ec-b8fd-1377504d78f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Taxes, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Taxes, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Taxes, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With Large Sums of Money? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Apr 2021 20:33:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c723ff4-f22f-11ec-b8fd-d3af38cfbea4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
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    <item>
      <title>My Student Loan Is Part of a Lawsuit (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 21 Apr 2021 19:34:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1cccb560-f22f-11ec-b8fd-8bae76688436/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where Do You Want To Be a Decade From Now? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Apr 2021 21:38:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d252042-f22f-11ec-b8fd-23df08bd5e33/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Insurance Agent Wants Us To Switch to Whole Life Insurance (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Career, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Apr 2021 20:33:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d7e8cf4-f22f-11ec-b8fd-6f414d7d0c30/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Career, Savings, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Career, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Career, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Go Back to School for My Ph.D.? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 20 Apr 2021 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1de5d350-f22f-11ec-b8fd-fbe513199d7c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Want My Money To Last for Future Generations (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Apr 2021 21:38:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e74982e-f22f-11ec-b8fd-af1eb42b15d2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Friends Keep Pressuring Me To Buy Cryptocurrency  (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Home Selling, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Apr 2021 20:33:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1ecd462c-f22f-11ec-b8fd-73abeacdcf50/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Selling, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Selling, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Selling, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Restructure Our Budget After the Pandemic? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 19 Apr 2021 19:34:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f260e10-f22f-11ec-b8fd-b76ad1168b5a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife Is Inheriting $3.6 Million...What Do We Do With It? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Career, Budgeting, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Apr 2021 21:38:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1fa6f1a6-f22f-11ec-b8fd-57407d1546d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Budgeting, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Budgeting, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Budgeting, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm in College and Trying To Graduate Debt-Free (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Apr 2021 20:33:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2000082c-f22f-11ec-b8fd-23567b06811d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
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    <item>
      <title>How Do We Prepare To Combine Our Lives? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 16 Apr 2021 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2058806a-f22f-11ec-b8fd-673f0b8886e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Get a 0% Down VA Home Loan? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Apr 2021 21:38:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/20b20374-f22f-11ec-b8fd-37fefc362d7c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Choose Which Job I Should Keep? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Apr 2021 20:33:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/210a02c2-f22f-11ec-b8fd-db9ab744a66a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Only People Who Recommend Leasing a Car Are Broke People! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 15 Apr 2021 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/216121c4-f22f-11ec-b8fd-cb47135ad100/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a Car That I Can Offer as a Rental? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Apr 2021 21:38:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/21c42e4a-f22f-11ec-b8fd-ff1140c78f93/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancée Has $220,000 in Student Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Investing, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Apr 2021 20:33:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/221d3832-f22f-11ec-b8fd-c3bfb1fdbfdb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing, Retirement, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing, Retirement, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing, Retirement, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Pay Off $315,000 of Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 14 Apr 2021 19:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/227a1246-f22f-11ec-b8fd-cf549006dabc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mother-in-Law Wants To Give Us $20,000 To Buy a Pool (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Selling, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Apr 2021 21:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22d2558c-f22f-11ec-b8fd-dbc25c888d97/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling, Home Buying, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling, Home Buying, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Prepare for Moving Overseas? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Budgeting, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Apr 2021 20:33:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23453980-f22f-11ec-b8fd-d796378d0747/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Budgeting, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Budgeting, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Budgeting, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Coworkers Earn Way More Than I Do (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 13 Apr 2021 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23d6c6fc-f22f-11ec-b8fd-a3810d12f514/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Need Advice on My Parrot Training Business (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Apr 2021 21:38:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2430bdec-f22f-11ec-b8fd-23a0acefcf42/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Band Screwed Me Over - Should I Take Them to Court? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Apr 2021 20:33:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24ab778a-f22f-11ec-b8fd-37a51b867c9b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Insurance, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Insurance, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Can We Budget for Fun? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Budgeting, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Mon, 12 Apr 2021 19:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2504d94c-f22f-11ec-b8fd-effe4092fe55/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Home Buying, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Home Buying, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Live Life After a Terminal Diagnosis? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Apr 2021 21:38:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/256906d8-f22f-11ec-b8fd-db99eb2c369d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Savings, Education Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Are Some Practical Ways To Get Better at Generosity? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Apr 2021 20:33:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25bf5c40-f22f-11ec-b8fd-e3cace6032b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With an Upcoming Settlement? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Fri, 09 Apr 2021 19:34:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26333f0c-f22f-11ec-b8fd-ab8f3bc2da85/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>She Paid Off $82,000 in 26 Months! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Insurance, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Apr 2021 21:38:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2688e7f4-f22f-11ec-b8fd-77f6e09bdbc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Insurance, Budgeting, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Insurance, Budgeting, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Insurance, Budgeting, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Convince My Boyfriend That Debt Is Bad? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Apr 2021 20:33:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26df360e-f22f-11ec-b8fd-8f7264d175cb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move Back In With My Ex? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Thu, 08 Apr 2021 19:32:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2755b4be-f22f-11ec-b8fd-d35d9083c57e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Taxes, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Taxes, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's an Everyday Millionaire Theme Hour! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Apr 2021 21:38:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/27accccc-f22f-11ec-b8fd-ff09e7ed02e1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2aa682de-f813-458e-8864-37381de07512]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3038280553.mp3?updated=1655907943" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Become a Landlord by Default! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Apr 2021 20:33:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/282a2294-f22f-11ec-b8fd-3f2cd94c9183/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a18f25bf-23b9-4843-911e-b5462c889ac9]]></guid>
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    <item>
      <title>Go Into a Business Because You Love It - Not Just To Make Money! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Wed, 07 Apr 2021 19:32:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2882f662-f22f-11ec-b8fd-63c9ca627a92/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[76743312-4716-4825-9ad5-d0f2abc660b3]]></guid>
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    <item>
      <title>My Mother Is in a Losing Battle With Math! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Apr 2021 21:37:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/28ea7134-f22f-11ec-b8fd-374a72b34422/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Should I Approach an Ask for a Raise? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Apr 2021 20:33:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/294532ea-f22f-11ec-b8fd-17f0d9470a8e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>I Like My Job But Don't Necessarily Love It (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</description>
      <pubDate>Tue, 06 Apr 2021 19:32:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29a0ba16-f22f-11ec-b8fd-5b3066f5c9c3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2Q64HME

 Insurance Coverage Checkup: https://bit.ly/3sXwUn5

 Complete Guide to Budgeting: https://bit.ly/3utmVXi

  Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <u><a href="https://bit.ly/3rZTUAx">https://bit.ly/3rZTUAx</a></u></p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <u><a href="https://bit.ly/2Q64HME">https://bit.ly/2Q64HME</a></u>
</li> <li>Insurance Coverage Checkup: <u><a href="https://bit.ly/3sXwUn5">https://bit.ly/3sXwUn5</a></u>
</li> <li>Complete Guide to Budgeting: <u><a href="https://bit.ly/3utmVXi">https://bit.ly/3utmVXi</a></u>
</li> </ul> <p>Check out more Ramsey Network podcasts: <u><a href="https://bit.ly/3fHhbVE">https://bit.ly/3fHhbVE</a></u></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>Do I Need a Long-Term Care Policy? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Home Selling
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Apr 2021 21:37:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29f995f0-f22f-11ec-b8fd-9725f6ee0a0d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Selling</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Selling
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Selling</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How Can I Help My Girlfriend Pay Off Her Loans? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Apr 2021 20:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a5348a2-f22f-11ec-b8fd-3332ec6358aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Get a MBA if It Means a Salary Raise? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Apr 2021 19:32:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2aac521c-f22f-11ec-b8fd-3f6295cb0756/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Education, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Was Going Back to School the Right Decision? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/was-going-back-to-school-the-right-decision-hour-3</link>
      <description>Debt, Home Buying, Retirement, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 02 Apr 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b05e5e8-f22f-11ec-b8fd-5fba4cab724c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Create Strong Family Boundaries? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-create-strong-family-boundaries-hour-2</link>
      <description>Debt, Relationships, Investing, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 02 Apr 2021 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b5e069c-f22f-11ec-b8fd-8b9f70668fd3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can We Budget More Effectively? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/how-can-we-budget-more-effectively-hour-1</link>
      <description>Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 02 Apr 2021 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bba2be8-f22f-11ec-b8fd-93013d88e5eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dream Jobs vs. Smart Money Choices (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Relationships, Retirement, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 01 Apr 2021 21:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c13e854-f22f-11ec-b8fd-6fd957601d2f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Retirement, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Business, Relationships, Retirement, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Retirement, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2383</itunes:duration>
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    <item>
      <title>How Do I Balance a Side Hustle and Family Life? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Relationships, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 01 Apr 2021 20:33:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c6d6438-f22f-11ec-b8fd-aba2fd45de75/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Listeners Share Their Work Fails! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Insurance, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 01 Apr 2021 19:32:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2cef96c4-f22f-11ec-b8fd-1bcac6b55358/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Insurance, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Insurance, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Insurance, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Find Fulfillment and Avoid Bitterness? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 31 Mar 2021 21:37:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2d49b1a4-f22f-11ec-b8fd-7fc567687389/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It a Bad Idea to Co-Own Property With My Mom? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 31 Mar 2021 20:33:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2da24968-f22f-11ec-b8fd-6b348cb6779c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Selling, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Business, Home Selling, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Selling, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Plan a Wedding While Paying Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 31 Mar 2021 19:32:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2e07ea70-f22f-11ec-b8fd-0f2c4efb81e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do I Focus on Getting a Job or Studying? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Education, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 30 Mar 2021 21:37:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2e81000e-f22f-11ec-b8fd-6b52483b88bb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Education, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Education, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Education, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2425</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Afraid I Won't Be Able To Cash Flow School (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 30 Mar 2021 20:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2edb9dca-f22f-11ec-b8fd-cf99a327928d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Cash Out My Bitcoin To Pay Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 30 Mar 2021 19:32:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2f7463d4-f22f-11ec-b8fd-1b545b798a20/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Not Paying Any Taxes On My Side Hustle (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Taxes, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 29 Mar 2021 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2fcd1402-f22f-11ec-b8fd-6f48ba20cffa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move Out of My Grandma's House? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 29 Mar 2021 20:33:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30259244-f22f-11ec-b8fd-f7ead676e046/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell the Rental That My Ex-Wife's Family Lives In? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 29 Mar 2021 19:32:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3097e65a-f22f-11ec-b8fd-ab236564ffa1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>SPECIAL: TurboTax is NOT Your Friend</title>
      <link>http://draudioarchives.libsyn.com/special-turbotax-is-not-your-friend</link>
      <description>Doing your taxes sucks. But what makes it even worse is that “trusted” brands like TurboTax actually screw you with shady sales and marketing tactics that are designed to put more of your money in their wallet.  Join Dave and George as they comb through TurboTax’s 2020 Investor Day report to reveal the true strategies of this 800-pound gorilla and teach you a better way to do your taxes. 
 Use Dave Ramsey’s recommended SmartTax: https://bit.ly/394IFQV
 Or text FINEPRINT1 to 33-789 to get a link</description>
      <pubDate>Sun, 28 Mar 2021 07:00:00 -0000</pubDate>
      <itunes:episodeType>bonus</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30f129c2-f22f-11ec-b8fd-fb267fae6700/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Doing your taxes sucks. But what makes it even worse is that “trusted” brands like TurboTax actually screw you with shady sales and marketing tactics that are designed to put more of your money in their wallet.  </itunes:subtitle>
      <itunes:summary>Doing your taxes sucks. But what makes it even worse is that “trusted” brands like TurboTax actually screw you with shady sales and marketing tactics that are designed to put more of your money in their wallet.  Join Dave and George as they comb through TurboTax’s 2020 Investor Day report to reveal the true strategies of this 800-pound gorilla and teach you a better way to do your taxes. 
 Use Dave Ramsey’s recommended SmartTax: https://bit.ly/394IFQV
 Or text FINEPRINT1 to 33-789 to get a link</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Doing your taxes sucks. But what makes it even worse is that “trusted” brands like TurboTax actually screw you with shady sales and marketing tactics that are designed to put more of your money in their wallet.  Join Dave and George as they comb through TurboTax’s 2020 Investor Day report to reveal the true strategies of this 800-pound gorilla and teach you a better way to do your taxes. </p> <p>Use Dave Ramsey’s recommended SmartTax: <u><a href="https://bit.ly/394IFQV">https://bit.ly/394IFQV</a></u></p> <p>Or text FINEPRINT1 to 33-789 to get a link</p>]]>
      </content:encoded>
      <itunes:duration>1358</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[789bd64b-4797-4a0b-86eb-ef0b6bdd2f7e]]></guid>
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    <item>
      <title>I Don't Want My Husband To Buy a Dirt Bike! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Mar 2021 21:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/314a6b9a-f22f-11ec-b8fd-7f77cf99a259/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Be Investing at 19 Years Old? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Mar 2021 20:33:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/31de4b30-f22f-11ec-b8fd-43930772ca4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Just Got a Raise...How Do I Use My Increased Income? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Mar 2021 19:32:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/324bf6bc-f22f-11ec-b8fd-c33ba648e03a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[27e39837-0618-44aa-8e97-dc1cd652fc6b]]></guid>
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    <item>
      <title>How Do I Start a Business at Age 17? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Mar 2021 21:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/32a4b734-f22f-11ec-b8fd-27fb975ecbd2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Thought Debt Would Be the End of Our Marriage (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Mar 2021 20:33:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/32ff21ce-f22f-11ec-b8fd-57f60ba7753c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Leave a Stable Job for Contract Work? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Savings, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Mar 2021 19:32:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3359181e-f22f-11ec-b8fd-97b2e190e84f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings, Retirement, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Business, Savings, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Want To Take Money Out of Our Investments To Buy a Plane (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Mar 2021 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/33bd2a16-f22f-11ec-b8fd-2bb528f3b95c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[18808110-878c-43be-9cb2-e639db0644ed]]></guid>
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    <item>
      <title>What Should I Do With Extra Money in My Budget? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings, Investing, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Mar 2021 20:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/341607b2-f22f-11ec-b8fd-8b87bc94183d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Investing, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Investing, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Investing, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[433b1d05-9266-4e9a-bc55-f4192f45df5a]]></guid>
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    <item>
      <title>I'm 13 and Started My Own Business (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Business, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Mar 2021 19:32:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34704d4e-f22f-11ec-b8fd-97cd8022953f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Business, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 19 and Debt-Free...What Do I Do Now? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Mar 2021 21:37:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34d6617e-f22f-11ec-b8fd-47aeed7b7385/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Scared To Go Without a Credit Score (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Mar 2021 20:38:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/355f1938-f22f-11ec-b8fd-174d17769c9c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[96a72032-515d-4026-91af-05dc50b878f6]]></guid>
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    <item>
      <title>We Budget but My Wife Keeps Spending Money on Other Things (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Mar 2021 19:33:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35b7ef68-f22f-11ec-b8fd-fb0a5a87f24b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Son Is Uninsurable...What Should I Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Relationships, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Mar 2021 21:38:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36108754-f22f-11ec-b8fd-a712d4333784/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Insurance, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Insurance, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Want Me To Get a Degree in a Field I'm Not Interested In (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Mar 2021 20:33:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3669a686-f22f-11ec-b8fd-3b669f3ada7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm New to Investing and Confused by the Jargon (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Mar 2021 19:32:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36c2a114-f22f-11ec-b8fd-437b49d1f8f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancée's Dead-End Career Is Causing Problems (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Mar 2021 21:37:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/371a6ae8-f22f-11ec-b8fd-2b3f3aa5af30/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Feel Let Down That My Son Is Quitting Football (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Relationships, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Mar 2021 20:33:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/37722c2e-f22f-11ec-b8fd-0bc091055a97/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Budgeting, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Budgeting, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Ex-Wife Keeps Dropping Nuclear Bombs on Me (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Mar 2021 19:32:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/37ca3928-f22f-11ec-b8fd-eb6485c30f41/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mom and I Disagree on How To Spend Her Stimulus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Mar 2021 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/38226c38-f22f-11ec-b8fd-230a2b24c795/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Don't Define Your Finish Line, You'll End Up Crossing Someone Else's (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Mar 2021 20:38:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/387abb54-f22f-11ec-b8fd-cb4ab990d114/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Remind Me of My Past, You're Going to BE in My Past (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Mar 2021 19:32:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/38ddb5ba-f22f-11ec-b8fd-5b1d108b8e54/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Sell Our Home Now or Wait To See What the Market Does? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Relationships, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 17 Mar 2021 21:37:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/394f9b6c-f22f-11ec-b8fd-1791296f0bad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have Over $300,000 in Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Relationships, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 17 Mar 2021 20:33:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/39caebfa-f22f-11ec-b8fd-b3d4be04a92e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships, Home Buying, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships, Home Buying, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Reimburse Our Emergency Fund After Having to Use It? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 17 Mar 2021 19:32:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a2ae1a4-f22f-11ec-b8fd-db331c3c1f4d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Business, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Business, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Business, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is Bankruptcy My Only Option? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Saving, Retirement, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Mar 2021 21:37:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a83b90a-f22f-11ec-b8fd-abc6eb4bedae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Saving, Retirement, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Saving, Retirement, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Saving, Retirement, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Save for College and Care For My Parents at the Same Time? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Mar 2021 20:38:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3adcb0be-f22f-11ec-b8fd-afcda15dc18e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Are My Wife and I Financially Secure Enough To Start a Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Mar 2021 19:32:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3b34fa12-f22f-11ec-b8fd-bf1164cc7925/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Feel Guilty Because My Family Members Are Homeless (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Mar 2021 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3b8d7336-f22f-11ec-b8fd-033b205d377f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do I Pay Off My Credit Card or My Car First? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Mar 2021 20:38:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3be5784c-f22f-11ec-b8fd-db29edd91e60/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's OK To Admit You're Hurting During This Season (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Mar 2021 19:32:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c3f07cc-f22f-11ec-b8fd-5309db9439df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get My Husband on Board? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Home Buying, Home Selling, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Mar 2021 22:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c9756a2-f22f-11ec-b8fd-8bc2d487505e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Home Selling, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:  Debt Calculator:   Insurance Coverage Checkup:   Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Home Selling, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Home Selling, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pay Off My Girlfriend's Student Loan? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Investing, Retirement, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Mar 2021 21:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3cef2062-f22f-11ec-b8fd-9fd059002a82/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Investing, Retirement, Business, Career Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:  Debt Calculator:   Insurance Coverage Checkup:   Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Investing, Retirement, Business, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Investing, Retirement, Business, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e27568ac-0a5c-433f-8b77-b6172a3449d4]]></guid>
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    <item>
      <title>Should I Stop Paying Off Debt After Losing My Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Mar 2021 20:32:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d4741a2-f22f-11ec-b8fd-5fb44ddeecff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business Sign Up for a FREE trial of Ramsey+ TODAY:  Tools to get you started:  Debt Calculator:   Insurance Coverage Checkup:   Complete Guide to Budgeting:   Check out more Ramsey Network podcasts:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1eff0403-5eeb-4c4b-a374-51cd015b6495]]></guid>
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    <item>
      <title>As a Professor, How Do I Guide My Students? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Investing, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Mar 2021 22:37:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11867</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3da02182-f22f-11ec-b8fd-b712cd285b19/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Home Selling</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2404</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9ea6ea5b-2e16-4b24-b620-88bbb1469f37]]></guid>
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    <item>
      <title>How Do I Convince My In-Laws to Downsize? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Mar 2021 21:33:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3df998e8-f22f-11ec-b8fd-6f6eb376a9ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Business, Investing</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a782380c-8be8-41f1-ba1f-d46c388655fb]]></guid>
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    </item>
    <item>
      <title>My Partner and I Are Not on the Same Page About Finances (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Mar 2021 20:32:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3e68de4c-f22f-11ec-b8fd-0b90a56c5bf4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started: 
 Debt Calculator: https://bit.ly/2QIoSPV  Insurance Coverage Checkup: https://bit.ly/2BrqEuo  Complete Guide to Budgeting: https://bit.ly/2QEyonc 
 Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a> <br> Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a> <br> Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a> </p> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Lost My Job Due to Felony Charges (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Mar 2021 22:37:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3ec11008-f22f-11ec-b8fd-030ac1cb3722/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I've Spent My Life Bailing My Family Out of Financial Problems (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/ive-spent-my-life-bailing-my-family-out-of-financial-problems-hour-2</link>
      <description>Debt, Savings, Relationships, Business, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Mar 2021 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f1b34ac-f22f-11ec-b8fd-3344362b6055/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Business, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Business, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Business, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can We Stay Motivated To Pay Off College Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business, Budgeting, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Mar 2021 20:32:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f7564b8-f22f-11ec-b8fd-8391f83a6ada/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Budgeting, Investing, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Budgeting, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Budgeting, Investing, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mom Wants More Than Her Fair Share (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Mar 2021 22:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3fcdf344-f22f-11ec-b8fd-9746a47fdbf3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2377</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Send My Kids to Private School or Move? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Savings, Home Buying, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Mar 2021 21:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/40267dca-f22f-11ec-b8fd-432b89452a10/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Savings, Home Buying, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Education, Savings, Home Buying, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Savings, Home Buying, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's Eating Up Your Budget? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Insurance, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Mar 2021 20:32:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/408c8692-f22f-11ec-b8fd-5fcc9c8c8085/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Insurance, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Insurance, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Insurance, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[223a561d-a809-47bf-a156-79d7a06da6ff]]></guid>
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    <item>
      <title>I Got Into Financial Trouble During COVID (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Mar 2021 22:37:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/40e67f58-f22f-11ec-b8fd-4315d62fc7cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2378</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[272cb342-13e9-4064-9715-503189a8b869]]></guid>
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    <item>
      <title>How Do I Transition to Civilian Life After Being in the Military? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Mar 2021 21:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/413f054c-f22f-11ec-b8fd-a33d4860165d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Make the Right Decisions Now To Set Yourself Up for a Great Future! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Mar 2021 20:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4197996e-f22f-11ec-b8fd-0f38273217ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Wait for the Housing Fairy To Show Up! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Career, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Mar 2021 22:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/41f12e2a-f22f-11ec-b8fd-efd7b2348691/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Math Is Measured in the Head, Risk Is Measured in the Heart (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Retirement, Savings, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Mar 2021 21:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/424a60e4-f22f-11ec-b8fd-abfed0d80154/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Retirement, Savings, Investing, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Retirement, Savings, Investing, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Retirement, Savings, Investing, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2403</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How Should We Allocate a $20,000 Early Inheritance Gift? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Home Buying, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Mar 2021 20:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/42a2d1fc-f22f-11ec-b8fd-53c1cf7cd496/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Fiancée Owes Me Money...How Do I Handle That? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Mar 2021 22:37:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/42fc6b36-f22f-11ec-b8fd-3f1f1184cd3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Asking Your Kids To Speak Like Adults! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Mar 2021 21:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/435566b4-f22f-11ec-b8fd-778b0fc17673/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Resentment Is the Cancer That Can Kill Any Relationship (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Career, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Mar 2021 20:32:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/43ae0742-f22f-11ec-b8fd-5b890b68c4fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Home Buying, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Home Buying, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Home Buying, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Make Decisions That Are Perpendicular to Your Values (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Taxes, Savings, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Mar 2021 22:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11849</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44066310-f22f-11ec-b8fd-ab9a12a14656/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Taxes, Savings, Home Buying, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Taxes, Savings, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Taxes, Savings, Home Buying, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a House Now or Wait and Rent? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Mar 2021 21:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/445ef53e-f22f-11ec-b8fd-bfe489def25c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Need To Be Ashamed of Your Success! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Budgeting, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Mar 2021 20:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44cf3948-f22f-11ec-b8fd-2ba070486c22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Budgeting, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Education, Budgeting, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Budgeting, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Jealous and Resentful of Friends That Are Receiving Stimulus Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Mar 2021 22:37:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4526c2a8-f22f-11ec-b8fd-7fcdba8a4e41/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Overcomplicate a Mistake! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Business, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Mar 2021 21:37:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/457eef82-f22f-11ec-b8fd-5b465715320a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Business, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Business, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Business, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Cousin Borrowed $5000 and Won't Pay It Back (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Insurance 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Mar 2021 20:32:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45d719fa-f22f-11ec-b8fd-0b04257cdfe1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Insurance  Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Insurance 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Insurance </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[64745da6-142a-4703-8695-b2ffcec04696]]></guid>
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    <item>
      <title>I Have $50,000 in Savings and Don't Know What To Do With It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Business, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Mar 2021 22:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46306be0-f22f-11ec-b8fd-bb5e49d980f8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Business, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Business, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Business, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Want To Change My Family Tree (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Taxes, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Mar 2021 21:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/468a0ae2-f22f-11ec-b8fd-0b7133aab119/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Taxes, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Taxes, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Taxes, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f5b0a898-9284-45be-a1b3-a86ab1f55ec5]]></guid>
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    <item>
      <title>Debt Is an Anchor - Not a Tool! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Relationships, Investing, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Mar 2021 20:32:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46e3a084-f22f-11ec-b8fd-5b1abf140776/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Investing, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Investing, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Investing, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Can't Get a Job in My Degree Field (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Taxes, Insurance, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Feb 2021 22:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/473be2e4-f22f-11ec-b8fd-c367d308cbc4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Insurance, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Insurance, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Insurance, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Have Fake Hope in a False Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Feb 2021 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/479bb5ca-f22f-11ec-b8fd-137022d6eb84/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Talk AT Your Wife...Talk WITH Her! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 26 Feb 2021 20:32:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47f51c64-f22f-11ec-b8fd-3f8a9e0a0dba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Bank Job Pressures Me to Push Products That Put People in Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Retirement, Taxes, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Feb 2021 22:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/484db36a-f22f-11ec-b8fd-0bce34a7470b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Taxes, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Taxes, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Taxes, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Does an Income Gap Matter When Dating? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Relationships, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Feb 2021 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48a67c16-f22f-11ec-b8fd-83b37deda11e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c908f803-93ef-4614-993b-b0c10ca51682]]></guid>
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    <item>
      <title>It's Time to Enjoy the Spoils of the Battles You Have Won! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 25 Feb 2021 20:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48ff77e4-f22f-11ec-b8fd-13e6226713dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fad0b211-2c99-4caf-84ef-5db10f4e3e53]]></guid>
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    <item>
      <title>My Husband Wants To Borrow Money Against Our House To Buy Guns (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Retirement, Career, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Feb 2021 22:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4959221c-f22f-11ec-b8fd-1741892b9b15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Career, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Career, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Career, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e70c4b70-e922-416f-9598-97c666dd840c]]></guid>
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    </item>
    <item>
      <title>My Grandmother Wants To Control Money That She Gave Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Feb 2021 21:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49b1b44a-f22f-11ec-b8fd-7b16383540ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Discussing My Job Growth Plan, Should I Bring Up Salary? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 24 Feb 2021 20:32:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a09f7cc-f22f-11ec-b8fd-f78703c20f9d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Home Buying, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Home Buying, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Home Buying, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2411</itunes:duration>
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    <item>
      <title>President Biden Won't Forgive Your Student Loan Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02232021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Feb 2021 22:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a62f8b8-f22f-11ec-b8fd-77fad71d9c38/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2406</itunes:duration>
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      <title>Should I Accept My Mom's Offer To Pay Off My Student Loan Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02232021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Feb 2021 21:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ad5c1d6-f22f-11ec-b8fd-f7912b79ffc3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>How Do We Decide if We're Financially Ready To Have a Baby? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/h1</link>
      <description>Debt, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 23 Feb 2021 21:07:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b2f3f40-f22f-11ec-b8fd-572e902455a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Don't Believe What You Read on the Internet About Investing! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Feb 2021 22:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b890976-f22f-11ec-b8fd-6fb142b38aca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Know Which Job Offer To Take? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Investing, Home Buying, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Feb 2021 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4be10626-f22f-11ec-b8fd-fb9804df6deb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Home Buying, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Home Buying, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Home Buying, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell My Land in Order to Be Debt-Free? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 22 Feb 2021 20:32:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c396d48-f22f-11ec-b8fd-9f91df78e85a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should My Boyfriend and I Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Education, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Feb 2021 22:37:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c932c52-f22f-11ec-b8fd-47185cd3afd6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Education, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Education, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Education, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I'm Afraid My Mom Will Want Control of the Money She Gifted Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Savings, Retirement, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Feb 2021 21:37:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cee79f4-f22f-11ec-b8fd-3fe9a6663183/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings, Retirement, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Business, Savings, Retirement, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings, Retirement, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Makes $975,000 but Wants Me To Work (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192021_the_dave_ramsey_show_itunes_1.mp3</link>
      <description>Debt, Relationships, Career, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 19 Feb 2021 20:32:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4d48bcca-f22f-11ec-b8fd-bf0aaf41f1ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Home Buying, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Home Buying, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2507</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Fiancée Isn't on Board With the Baby Steps (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Investing, Home Buying, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Feb 2021 22:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4da1eca0-f22f-11ec-b8fd-9bd9862df2df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Investing, Home Buying, Education, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Career, Investing, Home Buying, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Investing, Home Buying, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
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    <item>
      <title>I'm Unhappy With the Leadership in My School District (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Feb 2021 21:37:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4e1283fc-f22f-11ec-b8fd-ff36a46a246a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Frustrated at Work...Should I Pursue Something Else? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 18 Feb 2021 20:32:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4e6c114c-f22f-11ec-b8fd-f384ee3be449/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Career, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Nobody Becomes a Millionaire From What the Government Gives You! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR
  </description>
      <pubDate>Wed, 17 Feb 2021 22:37:32 -0000</pubDate>
      <itunes:title>Nobody Becomes a Millionaire From What the Government Gives You!</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ec5cc8c-f22f-11ec-b8fd-4beee85879d4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour</itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife Keeps Using Her Credit Card Behind My Back (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Investing, Relationships, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 17 Feb 2021 21:37:13 -0000</pubDate>
      <itunes:title>My Wife Keeps Using Her Credit Card Behind My Back</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4f1ef122-f22f-11ec-b8fd-ab8183a4b596/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Relationships, Savings</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Relationships, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Relationships, Savings</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Get Rich...Build Wealth Instead! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 17 Feb 2021 20:32:08 -0000</pubDate>
      <itunes:title>Don't Get Rich...Build Wealth Instead!</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4f786ff4-f22f-11ec-b8fd-2b0bf4bd801a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Savings</itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Savings</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's Never Been a Government Program That Led to Abundance! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02162021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Feb 2021 22:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11816</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4fd107a4-f22f-11ec-b8fd-33ae8c4a632b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
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    <item>
      <title>Should We Get a Mortgage When We Both Have Stage 4 Cancer? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02162021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Feb 2021 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/502b86c0-f22f-11ec-b8fd-a7c80b405ce1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>DAVE RANT: The Stimulus Won't Fix Your Life! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02162021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 16 Feb 2021 20:31:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/508645c4-f22f-11ec-b8fd-c3a896f7cbc4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Relationships, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Relationships, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Parents Gave My Wife a Car for Her Birthday but It's in Their Name (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Home Buying, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Feb 2021 22:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/50e02562-f22f-11ec-b8fd-43154fffd421/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying, Relationships, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Home Buying, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is it Morally Right to Claim My Tithe on My Taxes? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Taxes, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Feb 2021 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/513adb06-f22f-11ec-b8fd-77dc47718c7d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Taxes, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Taxes, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Taxes, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Refinance Our House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 15 Feb 2021 20:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5193ba8c-f22f-11ec-b8fd-bb69274aee2d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Brother Is Stealing Money From Our Disabled Mother (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 12 Feb 2021 22:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51ebee3c-f22f-11ec-b8fd-972f2e92294a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Wait To See What the President Does Before Paying Off My Student Loans? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Buying, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 12 Feb 2021 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52447e3a-f22f-11ec-b8fd-13d1cf32ccee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You're NOT Responsible for Your Friends' Decisions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 12 Feb 2021 20:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52a26cf2-f22f-11ec-b8fd-47ce31b48347/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Start Saving Now for Having Kids in the Future? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 11 Feb 2021 22:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52faac3c-f22f-11ec-b8fd-9773d7e89ac7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should I Sell One of My Cars To Accelerate Debt Payoff? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 11 Feb 2021 21:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53527322-f22f-11ec-b8fd-2391392d878e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move for a Six-Figure Job Offer? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 11 Feb 2021 20:32:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53b504f6-f22f-11ec-b8fd-8bd0a8697d69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Business, Career, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Convince My Husband To Sell Our House That We Can't Afford? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Investing, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Feb 2021 22:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11804</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5417e06c-f22f-11ec-b8fd-d37a70a45130/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Are a Better Investment Than Stocks When You're in School! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Feb 2021 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/547efe50-f22f-11ec-b8fd-33c239a4032e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Keep From Going Into Debt for Online College? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Home Buying, Business, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 10 Feb 2021 20:31:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/55067e66-f22f-11ec-b8fd-c7601faf99d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Buying, Business, Insurance, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Education, Home Buying, Business, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Buying, Business, Insurance, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b5c9225d-f7f7-4611-ada4-112e779ec5d2]]></guid>
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    <item>
      <title>Should I Cash Out My Life Insurance To Pay Off My Mortgage? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02092021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Feb 2021 22:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/55786e2c-f22f-11ec-b8fd-b71744575b81/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2466</itunes:duration>
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      <title>Should I Leave a Toxic Work Environment? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02092021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Retirement, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Feb 2021 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/560440d2-f22f-11ec-b8fd-fb0b60afaff4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2410</itunes:duration>
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      <title>How Do I Know How Much To Offer on a House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02092021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Retirement, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 09 Feb 2021 20:31:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56611f28-f22f-11ec-b8fd-d7a5c89f1024/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Insurance, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Insurance, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Insurance, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <title>Should My Wife and I Quit Our Jobs To Go Back to School? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Feb 2021 22:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56bd5c98-f22f-11ec-b8fd-bfe552286cf2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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      <title>How Do I Advise a Friend To Not Get Engaged to Her Boyfriend? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Taxes, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Feb 2021 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/571acd60-f22f-11ec-b8fd-ab7fe97989f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Taxes, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Taxes, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Taxes, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
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      <title>What Should We Do With Our $6000 Tax Return? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Business, Taxes, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 08 Feb 2021 20:31:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/578a9dc0-f22f-11ec-b8fd-3ba9139fcbfd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Business, Taxes, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Business, Taxes, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Business, Taxes, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How Do I Change My Impulsive Spending Habit? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Feb 2021 22:37:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57e5c59c-f22f-11ec-b8fd-3bbcad259642/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Where Do I Start When It Comes to Investing? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Business, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Feb 2021 21:42:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5853a152-f22f-11ec-b8fd-b72466256648/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business, Home Buying, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business, Home Buying, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Mother Disagrees With My Mental Health Decisions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Budgeting, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 05 Feb 2021 20:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/58af9f02-f22f-11ec-b8fd-5b8c915bdc49/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Budgeting, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Budgeting, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Budgeting, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Cross-Dresses...Should I Stay Married? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Feb 2021 22:37:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/596e64d2-f22f-11ec-b8fd-9714a5bee38f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get Over My Fear of Being Used Financially? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Feb 2021 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/59c9401e-f22f-11ec-b8fd-d7adfb5a8199/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Investing, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Investing, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
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      <title>Should I Take a Job That's Not Related to My Dream Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Savings, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 04 Feb 2021 20:32:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a3d2826-f22f-11ec-b8fd-f711a01d2ba6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Business, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Savings, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>We Left Corporate Jobs To Travel With Our Family in an RV (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02032021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Feb 2021 22:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a99f3c6-f22f-11ec-b8fd-7f0f453dc4b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Business, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Did I Retire Too Early? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02032021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Feb 2021 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5af431ce-f22f-11ec-b8fd-a3e2e6600b3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Took Out a Loan for My College and Now They Want Me To Pay It Back (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02032021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Savings, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 03 Feb 2021 20:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b4f2084-f22f-11ec-b8fd-c33f4a814ae9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Home Buying, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Home Buying, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Listen to the Messages That Say You're a Loser! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02022021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing, Savings, Insurance, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Feb 2021 22:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ba8067c-f22f-11ec-b8fd-8b38380bb062/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Savings, Insurance, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Savings, Insurance, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Savings, Insurance, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I've Lived in Debt My Whole Life and Am Ready To Change (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02022021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Business, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Feb 2021 21:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c1e633a-f22f-11ec-b8fd-4f320bc69f64/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Business, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Business, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Business, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>Stop Spending Your Money To Fix Someone Else's Bad Decisions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02022021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 02 Feb 2021 20:31:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c78769a-f22f-11ec-b8fd-e30c99c256ca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Taxes, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Taxes, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Taxes, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should I Use My Retirement Fund To Pay Off Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02012021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Feb 2021 22:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5cd47b66-f22f-11ec-b8fd-470585e1904c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I Spend Too Much on Take-Out and Delivery (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02012021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Retirement, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Feb 2021 21:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d2f591e-f22f-11ec-b8fd-cb459dc292e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Retirement, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Education, Retirement, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Retirement, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Whole Life Insurance Is a Complete Rip-Off! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02012021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Retirement, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 01 Feb 2021 20:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d8aaab2-f22f-11ec-b8fd-5bd3acaf849e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Debt, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Retirement, Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should We Involve Our Teens in a Big Family Decision? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Education, Savings, Debt, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Jan 2021 22:37:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11780</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5de3e550-f22f-11ec-b8fd-e3a4b368402d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Savings, Debt, Career</itunes:subtitle>
      <itunes:summary>Relationships, Education, Savings, Debt, Career 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Savings, Debt, Career<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Wife Keeps Failing College After 8 Years! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Debt, Relationships, Budgeting, Retirement 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Jan 2021 21:37:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11779</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e721d20-f22f-11ec-b8fd-07988f9a4e2d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Relationships, Budgeting, Retirement</itunes:subtitle>
      <itunes:summary>Insurance, Debt, Relationships, Budgeting, Retirement 
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Relationships, Budgeting, Retirement<br> <br></p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>TODAY Is the Right Time To Change Your Family Tree (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business, Relationships, Home Buying
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Jan 2021 20:31:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11778</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ece4fa0-f22f-11ec-b8fd-036c459dca1f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Relationships, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Relationships, Home Buying
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Relationships, Home Buying</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2412</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Change My Mindset About Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Jan 2021 22:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5f2641e2-f22f-11ec-b8fd-1b3edf731a37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Taxes, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Taxes, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
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      <title>Should I Cash Out My Day Trading Account To Pay Down Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Retirement, Relationships, Business, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Jan 2021 21:38:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5f7ffd90-f22f-11ec-b8fd-bf7a654fef0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Retirement, Relationships, Business, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Retirement, Relationships, Business, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Retirement, Relationships, Business, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>I'm Afraid My Grandmother Is Being Manipulated by Her Caretaker (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Jan 2021 20:31:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6016d9a4-f22f-11ec-b8fd-13a14a561898/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2473</itunes:duration>
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      <title>Treat Your Student Loans Like They Are the Enemy and Must Be Destroyed! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Jan 2021 22:37:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/60705a10-f22f-11ec-b8fd-0be889574040/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2468</itunes:duration>
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      <title>I Want To Keep an Inheritance a Secret From My Husband (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Jan 2021 21:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/60ecab2e-f22f-11ec-b8fd-67363eb8ffb9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
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    <item>
      <title>My Husband Moved Out 5 Years Ago and We're Just Now Thinking About Divorce (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Jan 2021 20:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6146beca-f22f-11ec-b8fd-83d980d4b7b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Insurance Won't Cover My $55,000 Life-Flight Transport Bill (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01262021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Jan 2021 22:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61a25ae6-f22f-11ec-b8fd-d71f1d97a343/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>At What Point Can We Be Self-Insured? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01262021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Insurance, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Jan 2021 21:37:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61fccddc-f22f-11ec-b8fd-a7395892f86f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Insurance, Business, Retirement, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Insurance, Business, Retirement, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Insurance, Business, Retirement, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can't Out-Earn Stupidity! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01262021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Jan 2021 20:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62561810-f22f-11ec-b8fd-0798e3923742/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Learn To Be More Patient About My Life and Career? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01252021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Jan 2021 22:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62af50b0-f22f-11ec-b8fd-3767fac321cf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can We Buy a $400,000 Business? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01252021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Career, Business, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Jan 2021 21:37:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63078406-f22f-11ec-b8fd-6bbd532db52a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Business, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Retirement, Career, Business, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Career, Business, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It Okay To Spend $25,000 on a Vehicle? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01252021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Jan 2021 20:31:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6366af8a-f22f-11ec-b8fd-8be2e1708a18/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2475</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take a Pay Cut To Reduce Stress? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Relationships, Career
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 22 Jan 2021 22:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11765</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63be6b12-f22f-11ec-b8fd-072074c5c42a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Career</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Career
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Career</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Find a Job Closer to Home? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 22 Jan 2021 21:40:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11764</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64193998-f22f-11ec-b8fd-3befa7a78ef0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career</itunes:subtitle>
      <itunes:summary>Debt, Career
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2405</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7d546212-fa50-437e-a2bb-95db6745e52e]]></guid>
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    <item>
      <title>Resentment Is the Death of Any Relationship (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 22 Jan 2021 20:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11763</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64718b52-f22f-11ec-b8fd-db6d87f2717e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships</itunes:subtitle>
      <itunes:summary>Career, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt
 Tools to get you started:
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a></p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Invest When I Don't Make a Big Salary? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Taxes, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 21 Jan 2021 22:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64c94658-f22f-11ec-b8fd-1bce65526805/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife Hid Credit Cards From Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Relationships, Career, Retirement, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 21 Jan 2021 21:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/652152e4-f22f-11ec-b8fd-0f0dd26e1987/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Career, Retirement, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Career, Retirement, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Career, Retirement, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Debt Is Not a Tool! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 21 Jan 2021 20:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/657b8912-f22f-11ec-b8fd-abc6b623e3b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2384</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Choose a Career? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 Jan 2021 22:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65d51fea-f22f-11ec-b8fd-b3e978fa3551/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where Do You Want To Be 20 Years From Now? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Relationships, Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 Jan 2021 21:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/662cf7b0-f22f-11ec-b8fd-df72b1bb2eab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Career, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Career, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Look to Washington DC To Solve Your Problems! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Investing, Career, Debt, Retirement, Taxes, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 Jan 2021 20:31:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66856b0c-f22f-11ec-b8fd-47753b2f2850/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Career, Debt, Retirement, Taxes, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Savings, Investing, Career, Debt, Retirement, Taxes, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Career, Debt, Retirement, Taxes, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can't Manage Your Money in the Rear View Mirror! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01192021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Career, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 19 Jan 2021 22:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66ddfc40-f22f-11ec-b8fd-ffa8645deb27/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Walking Away From a Deal Means There's a Better One Coming! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01192021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Home Selling, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 19 Jan 2021 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6736aaca-f22f-11ec-b8fd-1f24af0b43cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Selling, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Selling, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Selling, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Help My Mom Get Out of Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01192021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Investing, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 19 Jan 2021 20:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/67923390-f22f-11ec-b8fd-5fe117945217/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Investing, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Investing, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Investing, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[88dd4532-4503-4461-b021-09ea2ad660ec]]></guid>
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    <item>
      <title>I Took Out a 401(k) Loan To Pay Off Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 18 Jan 2021 22:37:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/67ebf2b8-f22f-11ec-b8fd-e718f5be1fad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Look for a Mansion When Buying Your First Home (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182021_the_dave_ramsey_show_itunes_2.mp3</link>
      <description>Home Buying, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 18 Jan 2021 21:37:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/684712ba-f22f-11ec-b8fd-5347b3d1f548/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2486</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Keep Paying on Our Student Loans if Congress Might Pay Them Off? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01182021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Career, Business, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 18 Jan 2021 20:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68a91712-f22f-11ec-b8fd-7f817de91db7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Business, Investing, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Business, Investing, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Business, Investing, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2415</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I'm Up to My Ears in Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 15 Jan 2021 22:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/690160f2-f22f-11ec-b8fd-2b684f3ae58e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
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      <title>I Feel Stupid Wanting To Start a Business at My Age (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 15 Jan 2021 21:37:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6958a81c-f22f-11ec-b8fd-bb0bdb50226b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Retirement, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Business, Retirement, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Retirement, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a House or Go to College? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Buying, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 15 Jan 2021 20:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/69b2ed7c-f22f-11ec-b8fd-a70bfac7b179/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying, Education, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying, Education, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Running Out of Time To Become a Millionaire (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 14 Jan 2021 22:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a0da7a8-f22f-11ec-b8fd-c346ba0c3d9a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Budget for a Move? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 14 Jan 2021 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a6a74ba-f22f-11ec-b8fd-b77254f91bbd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Home Selling, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Home Selling, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Home Selling, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2410</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Our Emergency Fund Won't Cover Our Emergency (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 14 Jan 2021 20:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6ad170e8-f22f-11ec-b8fd-5353cea48edc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Get Life Insurance After Having Childhood Leukemia? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Business, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 13 Jan 2021 22:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b2a79cc-f22f-11ec-b8fd-e712c99ffbc8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Business, Debt, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Business, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Business, Debt, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Seeing Financial Red Flags With My Boyfriend (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 13 Jan 2021 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b865792-f22f-11ec-b8fd-9f9adde27273/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Savings, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Savings, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Savings, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy My Ex Out of a Rental Property That We Co-Own? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Education, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 13 Jan 2021 20:31:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6be02344-f22f-11ec-b8fd-834d825c5d7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2411</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should I Pay Off My Fiancé's Debt When We Get Married? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career, Home Buying, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 12 Jan 2021 22:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6c3d981c-f22f-11ec-b8fd-67fc08773370/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Home Buying, Relationships, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Home Buying, Relationships, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Home Buying, Relationships, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2406</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move Out of California? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Investing, Relationships, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 12 Jan 2021 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6c964016-f22f-11ec-b8fd-774062f78ccb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing, Relationships, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing, Relationships, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing, Relationships, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's Easy Today Is Hard Tomorrow (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01122021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 12 Jan 2021 20:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6cef2c58-f22f-11ec-b8fd-0bb0abcaf2fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I've Been Sued by My Credit Card Company! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 11 Jan 2021 22:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6d4d1642-f22f-11ec-b8fd-27b3cf91a9e1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Save for College and Care for My Parents at the Same Time? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 11 Jan 2021 21:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6da65874-f22f-11ec-b8fd-6b2d58446a8c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2409</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time To Go From Intense to Intentional! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01112021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 11 Jan 2021 20:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e9bfeaa-f22f-11ec-b8fd-cbc39bc0b719/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Debt, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Make $125,000 but Can't Save Our $1000 Emergency Fund (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 08 Jan 2021 22:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6ef83594-f22f-11ec-b8fd-c34d35b507f1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I'm Scared My Fiancé Won't Follow Through With Our Financial Goals (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Relationships, Budgeting, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 08 Jan 2021 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6f55495a-f22f-11ec-b8fd-df8194bdc0fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Relationships, Budgeting, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships, Budgeting, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Relationships, Budgeting, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get My Name off a Co-Signed Loan? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Debt, Home Buying, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 08 Jan 2021 20:32:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/701f07ae-f22f-11ec-b8fd-f7c2aa508d3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Home Buying, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Business, Debt, Home Buying, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Home Buying, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2414</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can We Help My Alcoholic Brother? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 07 Jan 2021 22:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/707c6d9a-f22f-11ec-b8fd-2768ab3c69a9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Business, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Business, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Business, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Work Hours Have Been Reduced...What Should I Do? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Budgeting, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 07 Jan 2021 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/70fcbce8-f22f-11ec-b8fd-e77c5c94844c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Budgeting, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Insurance, Budgeting, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Budgeting, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Are We Candidates for Bankruptcy? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Home Selling, Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 07 Jan 2021 20:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/716f0a14-f22f-11ec-b8fd-2f65171d1565/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Relationships, Debt, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Relationships, Debt, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What To Look for When Buying Your First Home (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Home Buying, Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 06 Jan 2021 22:37:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/71c948c6-f22f-11ec-b8fd-d7d34d0ced5b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Debt, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Buying, Debt, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Feeling Financially Overwhelmed (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Retirement, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 06 Jan 2021 21:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/72231c52-f22f-11ec-b8fd-03c236451180/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Insurance, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Insurance, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Insurance, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2407</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>When Should I Quit My Job To Do My Side Hustle Full-Time? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 06 Jan 2021 20:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7291f000-f22f-11ec-b8fd-2f9b75dfdfa8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
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      <title>They Paid Off $347,000 in 6.5 Years! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 05 Jan 2021 22:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/72eb8386-f22f-11ec-b8fd-ff306697ea9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should I Buy the Moldy House My Mom Lives In To Fix it Up? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Retirement, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 05 Jan 2021 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/73442eb4-f22f-11ec-b8fd-6f96905ed7d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Transition From College Student to Full-Time Worker? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01052021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 05 Jan 2021 20:31:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7432b71e-f22f-11ec-b8fd-4b5b01f80d82/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2413</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Paid-Off Home Sets You Free! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042021_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Business, Relationships, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 04 Jan 2021 22:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7487ee5a-f22f-11ec-b8fd-d31f6f56e2da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Business, Relationships, Debt, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Home Buying, Business, Relationships, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Business, Relationships, Debt, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2408</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Making $70,000 a Year on eBay...Should I Quit My Job? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042021_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Career, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 04 Jan 2021 21:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/74e32fcc-f22f-11ec-b8fd-af497399cf4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Career, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Career, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Career, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Reset Your Focus in 2021 (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01042021_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Insurance, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 04 Jan 2021 20:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/753972ec-f22f-11ec-b8fd-1b1126803bec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Insurance, Home Buying, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Insurance, Home Buying, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Insurance, Home Buying, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Use Leftover Scholarship Money? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-use-leftover-scholarship-money-hour-3</link>
      <description>Relationships, Debt, Career, Investing, Savings, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 01 Jan 2021 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/75ad3984-f22f-11ec-b8fd-37353481fa0d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career, Investing, Savings, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Investing, Savings, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career, Investing, Savings, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Combine Our Money After Our Wedding? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-do-we-combine-our-money-after-our-wedding-hour-2</link>
      <description>Debt, Investing, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 01 Jan 2021 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/767f7354-f22f-11ec-b8fd-ef3c2a8cbe6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Education, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Education, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Correlation Between COVID and Debt (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-correlation-between-covid-and-debt-hour-1</link>
      <description>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 01 Jan 2021 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/782205c8-f22f-11ec-b8fd-c757feef5255/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Leave My Job to Raise Exotic Snakes? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-leave-my-job-to-raise-exotic-snakes-hour-3</link>
      <description>Savings, Education, Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 31 Dec 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7878c804-f22f-11ec-b8fd-ef635bee9b2f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's the Difference Between Enabling and Helping Someone? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/whats-the-difference-between-enabling-and-helping-someone-hour-2</link>
      <description>Debt, Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 31 Dec 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78db80d4-f22f-11ec-b8fd-fba2fdec4687/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Justify the Cost of Therapy? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-justify-the-cost-of-therapy-hour-1</link>
      <description>Relationships, Debt, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 31 Dec 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79485da8-f22f-11ec-b8fd-1f3c43318d62/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Retirement, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3c34eb52-be7d-4a0d-b630-1b282fd0b881]]></guid>
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    <item>
      <title>Should I Take Less for My Car Just to Get Rid of It? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 30 Dec 2020 22:36:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79adaa78-f22f-11ec-b8fd-5fba28440157/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5463146c-7159-452c-a3d6-9d7a9ff6714c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2338127524.mp3?updated=1655908112" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Just Assume You'll Always Have a Mortgage! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Relationships, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 30 Dec 2020 21:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a3381de-f22f-11ec-b8fd-833ffa51ef44/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Investing, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Relationships, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7111838592.mp3?updated=1655908112" length="0" type="audio/mpeg"/>
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    <item>
      <title>Borrowing Money Won't Take You Where You Want to Go (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 30 Dec 2020 20:31:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b002860-f22f-11ec-b8fd-a34be0dc0ee5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Guide My Parents Who Aren't Good With Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 29 Dec 2020 22:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b61403c-f22f-11ec-b8fd-4758f5d09360/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Can't Afford to Pay, You Can at Least Pay Attention (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Career, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 29 Dec 2020 21:36:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c9f8012-f22f-11ec-b8fd-7b9040b9d6ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Taxes, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Taxes, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Keep Putting Money in a Pocket With a Hole in It (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Insurance, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 29 Dec 2020 20:31:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d030de4-f22f-11ec-b8fd-ab1c4ce1c4de/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Insurance, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Budgeting, Insurance, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Insurance, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f61252cb-d129-476d-ad25-90a5a7b9ca21]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3221520789.mp3?updated=1655908115" length="0" type="audio/mpeg"/>
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    <item>
      <title>Once You Get Your Eye on the Ball, You'll Be Able to Catch It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 28 Dec 2020 22:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d665c82-f22f-11ec-b8fd-43b485d5eab3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[db196de2-fc1c-45aa-9119-fc7f29c7c3f5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1851242404.mp3?updated=1655908115" length="0" type="audio/mpeg"/>
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    <item>
      <title>Should I Use My 401(k) to Start a Business? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 28 Dec 2020 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7e54fad6-f22f-11ec-b8fd-7bbdc4c7cc3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[01062dee-6bd8-4ac9-bc11-63fbcaafa783]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4396819251.mp3?updated=1655908116" length="0" type="audio/mpeg"/>
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    <item>
      <title>Avoiding Your Problems Doesn't Make Them Go Away (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Savings, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 28 Dec 2020 20:31:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7eb24b14-f22f-11ec-b8fd-27f2c224b666/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Savings, Retirement, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Career, Debt, Savings, Retirement, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Savings, Retirement, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[eacfa25c-76f9-47dd-883c-bfda4e52d2bd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1281658365.mp3?updated=1655908116" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Haven't Combined Finances With My Husband (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/i-havent-combined-finances-with-my-husband-hour-3-0</link>
      <description>Debt, Retirement, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 25 Dec 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f101064-f22f-11ec-b8fd-cfbbaea7a062/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Education, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Education, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Living With My Mother-in-Law is Difficult (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/living-with-my-mother-in-law-is-difficult-hour-2</link>
      <description>Debt, Home Buying, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 25 Dec 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f6b6112-f22f-11ec-b8fd-c70efb37896c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Retirement, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Don't Pick a School Based on How Pretty the Town Is! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/dave-rant-dont-pick-a-school-based-on-how-pretty-the-town-is-hour-1</link>
      <description>Relationships, Education, Business, Retirement, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 25 Dec 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ff49cac-f22f-11ec-b8fd-5b9d2b2d9ee4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Business, Retirement, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  ...</itunes:subtitle>
      <itunes:summary>Relationships, Education, Business, Retirement, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Business, Retirement, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Finances Will Heal Only to the Extent That You Do (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/your-finances-will-heal-only-to-the-extent-that-you-do-hour-3</link>
      <description>Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 24 Dec 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8053e626-f22f-11ec-b8fd-afd5655ba09e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mother-in-Law Stole Our Money! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/my-mother-in-law-stole-our-money-hour-2</link>
      <description>Debt, Relationships, Education, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 24 Dec 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80f180c0-f22f-11ec-b8fd-935095f085b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Education, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Education, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Education, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Normal Is NOT Excellent! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/dave-rant-normal-is-not-excellent-hour-1</link>
      <description>Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 24 Dec 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8151e26c-f22f-11ec-b8fd-0f7ee3795d64/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a26ba310-7b47-46eb-b263-f6e969be3164]]></guid>
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    <item>
      <title>The 2020 Annual Christmas Giving Show (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Giving, Relationships, Personal Development
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 23 Dec 2020 22:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81b1f26a-f22f-11ec-b8fd-876134748031/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving, Relationships, Personal Development</itunes:subtitle>
      <itunes:summary>Giving, Relationships, Personal Development
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving, Relationships, Personal Development</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1061da89-e58e-4962-ab39-3e52ff9499bb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3850315677.mp3?updated=1655908120" length="0" type="audio/mpeg"/>
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    <item>
      <title>The 2020 Annual Christmas Giving Show (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Giving, Relationships, Education
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 23 Dec 2020 21:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82158d84-f22f-11ec-b8fd-5f5d4a8373cc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving, Relationships, Education</itunes:subtitle>
      <itunes:summary>Giving, Relationships, Education
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving, Relationships, Education</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[47adc3cd-79f3-46bb-bd81-74f80baff235]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8123419157.mp3?updated=1655908120" length="0" type="audio/mpeg"/>
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    <item>
      <title>The 2020 Annual Christmas Giving Show (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Giving, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 23 Dec 2020 20:31:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8272e2ae-f22f-11ec-b8fd-07c3db5c6fc0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Giving, Relationships</itunes:subtitle>
      <itunes:summary>Giving, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Giving, Relationships</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
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    <item>
      <title>Moving Out of Parent’s House…Should I Rent or Buy? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 22 Dec 2020 22:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82fba594-f22f-11ec-b8fd-1b3bea7831e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Investing</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Investing</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Combine Finances After My Wedding? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 22 Dec 2020 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/837fe1ce-f22f-11ec-b8fd-0f52af9c5f22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Use Retirement Funds to Pay Off Mortgage? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 22 Dec 2020 20:31:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83e7d27a-f22f-11ec-b8fd-f3b40d09edba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt</itunes:subtitle>
      <itunes:summary>Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Credit Card Collectors Are SCUM! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Mon, 21 Dec 2020 22:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/846b580c-f22f-11ec-b8fd-4b59f142d018/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Debt</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Debt</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Feeling Burned Out by My Mental Health Issues in Baby Step 2 (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Mon, 21 Dec 2020 21:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/84d3106e-f22f-11ec-b8fd-73e789c0f7a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Debt</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Debt</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Give Anyone Permission to Hurt You or Your Family (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Mon, 21 Dec 2020 20:31:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/853a033c-f22f-11ec-b8fd-8b475be0d430/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt</itunes:subtitle>
      <itunes:summary>Relationships, Debt
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I'm Torn Between Two Career Paths (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Business, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 18 Dec 2020 22:37:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/859fd7d4-f22f-11ec-b8fd-eb548204b147/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Relationships, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Business, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Relationships, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Former Employer Wants to Rehire Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Business, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 18 Dec 2020 21:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86061fda-f22f-11ec-b8fd-eb3ef969deb3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Business, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Learn to Live in the Now Instead of the Future (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 18 Dec 2020 20:31:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/866e0f78-f22f-11ec-b8fd-87e5be411b0b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Mother Wants Me to File for Bankruptcy! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Retirement, Savings, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 17 Dec 2020 22:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86d76342-f22f-11ec-b8fd-5b6e09fe26e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Savings, Relationships, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Savings, Relationships, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Retirement, Savings, Relationships, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>I'm Having Trouble Buying a House Without a Credit Score (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Retirement, Insurance, Career, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 17 Dec 2020 21:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87583f44-f22f-11ec-b8fd-374a93000811/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Retirement, Insurance, Career, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Budgeting, Retirement, Insurance, Career, Business, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Retirement, Insurance, Career, Business, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Should I Live at Home Until I Pay Off All My Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 17 Dec 2020 20:31:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87c0da0e-f22f-11ec-b8fd-4bd077f08e39/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Pay Off Medical Bills? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Business, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 16 Dec 2020 22:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/883b1fb2-f22f-11ec-b8fd-efac94236e98/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Business, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Business, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Business, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much of Our Savings Should We Put On a Down Payment? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Relationships, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 16 Dec 2020 21:36:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88b81134-f22f-11ec-b8fd-f7cd187841b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Relationships, Career, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Savings, Debt, Relationships, Career, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Relationships, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Couples That Work Together Succeed in Achieving Their Dreams (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement, Insurance, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 16 Dec 2020 20:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/892a2c74-f22f-11ec-b8fd-07839ee9e5f8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Insurance, Career, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Insurance, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Insurance, Career, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mother-in-Law Keeps Asking for Financial Help (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Budgeting, Career, Relationships, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 15 Dec 2020 22:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89fc14a0-f22f-11ec-b8fd-67f2fa8f3226/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Budgeting, Career, Relationships, Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Business, Budgeting, Career, Relationships, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Budgeting, Career, Relationships, Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Budget Isn't the Boss of You Until You Do One! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Relationships, Budgeting, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 15 Dec 2020 21:36:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a6d9292-f22f-11ec-b8fd-2fc334cdfa16/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Relationships, Budgeting, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Insurance, Relationships, Budgeting, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Relationships, Budgeting, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Respect Your Spouse Enough to Tell Them "No" (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Business, Investing, Taxes, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 15 Dec 2020 20:31:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b36a6d2-f22f-11ec-b8fd-2350a98cd482/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Business, Investing, Taxes, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Business, Investing, Taxes, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Business, Investing, Taxes, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Lost My Job and We Can't Make Our House Payments! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 14 Dec 2020 22:34:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ba318bc-f22f-11ec-b8fd-ef463457c20f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Sell Our Cars and Get Cheaper Ones? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 14 Dec 2020 21:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c1335d4-f22f-11ec-b8fd-e700d9cc5609/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Business, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Stay Home Due to COVID While My Wife Works? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Insurance, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 14 Dec 2020 20:33:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c7faa8e-f22f-11ec-b8fd-bf089126271e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Insurance, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Insurance, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get Over My Spending Anxiety? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 11 Dec 2020 22:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ceaa366-f22f-11ec-b8fd-87f0f7a3fe0b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Business, Debt, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do You Forgive Someone Who Won't Say They're Sorry? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 11 Dec 2020 21:36:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d472b72-f22f-11ec-b8fd-7bdb88ae2ff0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Was Scammed Out of $7500! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Budgeting, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 11 Dec 2020 20:33:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8dd57ea4-f22f-11ec-b8fd-8f76f0f84b01/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Budgeting, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Education, Budgeting, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Budgeting, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Father Has Been "Borrowing" Money From Me (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Home Buying, Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 10 Dec 2020 22:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e3e9c22-f22f-11ec-b8fd-b3f14d104faa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Debt, Investing, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Debt, Investing, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Buying, Debt, Investing, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Inheriting $2.5 Million in Stocks (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 10 Dec 2020 21:36:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ed159cc-f22f-11ec-b8fd-370729769e4d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Business, Investing, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Should I Change the Debt Snowball if a Debt Is 0% Interest? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Retirement, Business, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 10 Dec 2020 20:33:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f36de82-f22f-11ec-b8fd-775004694bd3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Business, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Business, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Business, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>You Can Honor Your Parents Without Always Agreeing With Them (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 09 Dec 2020 22:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f99efcc-f22f-11ec-b8fd-fbd4842a8917/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>$1000 Doesn't Feel Like Enough of an Emergency Fund (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Home Buying, Taxes, Business, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 09 Dec 2020 21:36:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/904fcf18-f22f-11ec-b8fd-53c413879442/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Home Buying, Taxes, Business, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Investing, Home Buying, Taxes, Business, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Home Buying, Taxes, Business, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Go From Intense to Intentional in Baby Steps 4, 5, and 6 (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Debt, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 09 Dec 2020 20:33:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90b30916-f22f-11ec-b8fd-afc84967e7d8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Family Doesn't Agree With My Financial Plan (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 08 Dec 2020 22:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/912f8ce8-f22f-11ec-b8fd-d7ea4f8aba1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: The Government Is Responsible for the Shutdown! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Relationships, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 08 Dec 2020 21:36:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/919ed33c-f22f-11ec-b8fd-9bd1eb456209/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Taxes, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Taxes, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Taxes, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Put Your Money on Auto-Pilot! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 08 Dec 2020 20:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/921e23b2-f22f-11ec-b8fd-8352a257b5b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Investing, Savings, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Education, Investing, Savings, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Investing, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Budget Is NOT a 4-Letter Word (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Debt, Career, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 07 Dec 2020 22:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/928fe86c-f22f-11ec-b8fd-93b395aabde4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Debt, Career, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Debt, Career, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Debt, Career, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Climb Over Someone Else to Lift Yourself Up! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 07 Dec 2020 21:36:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92ef2868-f22f-11ec-b8fd-f70fbd5c2c70/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Career, Business, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How Would It Feel to Not Have a Debt in the World? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 07 Dec 2020 20:33:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9356e700-f22f-11ec-b8fd-affba6316441/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Keep From Spending So Much? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Business, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Dec 2020 22:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94660e1e-f22f-11ec-b8fd-73e6f4c1bc37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Business, Home Buying, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Business, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Business, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where Should I Move to Find Cheaper Rent? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Career, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Dec 2020 21:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94c5018a-f22f-11ec-b8fd-97645918543e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Debt, Insurance Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Career, Debt, Insurance
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Debt, Insurance</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Find a Better Career? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Dec 2020 20:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9521cf28-f22f-11ec-b8fd-2b075d53de43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 15...How Do I Create Passive Income? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 03 Dec 2020 22:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/95a28e74-f22f-11ec-b8fd-7bd28df75b54/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Home Buying, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Home Buying, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Home Buying, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>95% of My Net Worth Is in Stocks...What Do I Do? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Home Buying, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 03 Dec 2020 21:36:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9603dc6a-f22f-11ec-b8fd-1b4b345df959/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Business, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Business, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Business, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stupidity Will Grow Faster Than Your Wallet! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 03 Dec 2020 20:31:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9665b714-f22f-11ec-b8fd-37c083a2294e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Retirement, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Climb a Ladder Only to Discover It's on the Wrong Wall (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Investing, Business, Career, Retirement, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 02 Dec 2020 22:34:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/96f4ea92-f22f-11ec-b8fd-17aa20fa1da4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Business, Career, Retirement, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Savings, Investing, Business, Career, Retirement, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Business, Career, Retirement, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Should I Use My $10,000 Christmas Bonus? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 02 Dec 2020 21:36:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/978368ee-f22f-11ec-b8fd-e757dfb53379/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Education, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Budget That You Don't Live by Is Useless! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 02 Dec 2020 20:31:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97f17992-f22f-11ec-b8fd-7fe33e9376fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt, Career, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt, Career, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Debt, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[074f836c-9aed-46b4-b044-5af93e80274f]]></guid>
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    <item>
      <title>An Everyday Millionaire Theme Hour! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 01 Dec 2020 22:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98572526-f22f-11ec-b8fd-a39add288de4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e26ed062-9c29-458f-9093-5917b587c910]]></guid>
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    <item>
      <title>The Only People That Can Help the Weak Are the Strong (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Home Selling, Relationships, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 01 Dec 2020 21:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98b9d36a-f22f-11ec-b8fd-6779876d657c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Relationships, Taxes Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Relationships, Taxes
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Relationships, Taxes</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Short-Term Sacrifice Will Yield Long-Term Results (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Relationships, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 01 Dec 2020 20:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/991e67da-f22f-11ec-b8fd-cfaa272e9b3e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships, Retirement, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships, Retirement, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships, Retirement, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get a Job With No Experience? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 30 Nov 2020 22:34:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/997d649c-f22f-11ec-b8fd-83a41f2983d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Career, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Retirement, Savings, Career, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Career, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Prepare to Marry Someone Who Has $200,000 in Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Education, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 30 Nov 2020 21:36:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99f19d58-f22f-11ec-b8fd-c3015b1bb872/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Meet Generous People That Are Depressed (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 30 Nov 2020 20:31:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a53fb56-f22f-11ec-b8fd-5bdddd3e72ef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Hesitant to Invest in Real Estate in a College Town During COVID (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/im-hesitant-to-invest-in-real-estate-in-a-college-town-during-covid-hour-3</link>
      <description>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 27 Nov 2020 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9abab134-f22f-11ec-b8fd-bf1835f754c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Balance My Life and My Financial Goals? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-balance-my-life-and-my-financial-goals-hour-2</link>
      <description>Retirement, Relationships, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 27 Nov 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9b19d3c6-f22f-11ec-b8fd-2fb52af7bc33/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Business, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Business, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e29515b4-d089-4865-bf42-1a33c118214c]]></guid>
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    <item>
      <title>What Should We Do With Our New $500,000 Income? (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/what-should-we-do-with-our-new-500000-income-hour-1</link>
      <description>Savings, Education, Home Buying, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 27 Nov 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9cecdfd6-f22f-11ec-b8fd-f3a2df1f487e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Home Buying, Debt, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Savings, Education, Home Buying, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Home Buying, Debt, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a660823a-d57f-4668-8967-4f345464c213]]></guid>
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    <item>
      <title>Don't Be Dumb About Education! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/dont-be-dumb-about-education-hour-3</link>
      <description>Education, Retirement, Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 26 Nov 2020 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9e36f412-f22f-11ec-b8fd-1f6d25fcf64f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Retirement, Savings, Investing, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Education, Retirement, Savings, Investing, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Retirement, Savings, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Our 19-Year-Old Isn't Following Our Rules (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/our-19-year-old-isnt-following-our-rules-hour-2</link>
      <description>Debt, Savings, Business, Retirement, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 26 Nov 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9eb7cfec-f22f-11ec-b8fd-035b127a016b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business, Retirement, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Business, Retirement, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business, Retirement, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[feca0b9a-d7b5-434e-a02c-2700ff4c528c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6892854353.mp3?updated=1655908152" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Girlfriend Is Getting Pressured Into Buying a New Car (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/my-girlfriend-is-getting-pressured-into-buying-a-new-car-hour-1</link>
      <description>Debt, Relationships, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 26 Nov 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f19f21c-f22f-11ec-b8fd-cf8d9157c1f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Access My Retirement Fund Now or Wait? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Insurance, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 25 Nov 2020 22:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f771960-f22f-11ec-b8fd-c763c592925a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Insurance, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Retirement, Insurance, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Insurance, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Nervous to Pay Off My House in This Economy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Business, Savings, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 25 Nov 2020 21:36:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a21cdd94-f22f-11ec-b8fd-8fb9c84d2115/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Savings, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Career, Business, Savings, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Savings, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The History of How Thanksgiving Was Born (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Business, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 25 Nov 2020 20:31:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a27f6e64-f22f-11ec-b8fd-b37dd4d47387/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Business, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Insurance, Business, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Business, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You're in a Huge Debt Hole, You Need a Big Shovel (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 24 Nov 2020 22:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a2e02b14-f22f-11ec-b8fd-ffc7e7e82d63/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Say No to the Little Things so You Can Hit a Big Goal (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Home Selling, Debt, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 24 Nov 2020 21:35:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3467978-f22f-11ec-b8fd-6f49e8b52013/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Selling, Debt, Retirement, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Relationships, Home Selling, Debt, Retirement, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Selling, Debt, Retirement, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Prepare for a Separation With My Husband? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 24 Nov 2020 20:31:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3a9caa0-f22f-11ec-b8fd-9313f0731d79/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[283ed6cd-dcd3-48d5-af74-8e376ae7ac65]]></guid>
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    <item>
      <title>Don't Carry More Weight Than Your Bank Account Allows You To (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 23 Nov 2020 22:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a429d84e-f22f-11ec-b8fd-9b66bdcfe6af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Should I Use a $200,000 Settlement? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 23 Nov 2020 21:36:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a4b419dc-f22f-11ec-b8fd-23130c97d899/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Government Won't Fix Your Money Problems! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Retirement, Debt, Education, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 23 Nov 2020 20:31:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a553c7f2-f22f-11ec-b8fd-9ff36dce4a20/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Debt, Education, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Debt, Education, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Debt, Education, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Don't Care for My Fiancée (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 20 Nov 2020 22:41:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a6781d68-f22f-11ec-b8fd-07d7fd389a7d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Other People Are Your Emergency Fund for Life (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Investing, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 20 Nov 2020 21:35:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a7ac749a-f22f-11ec-b8fd-e328b74c2813/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Savings, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Investing, Savings, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Sister Is Setting Impossible Family Boundaries (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 20 Nov 2020 20:30:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa5c74ec-f22f-11ec-b8fd-eff11c001562/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fa514d86-7455-493c-9eca-f9e6da43516a]]></guid>
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    <item>
      <title>How to Weigh the Pros and Cons of a Job Change (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Savings, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 19 Nov 2020 22:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aad4fe4e-f22f-11ec-b8fd-b35b573fbf80/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Education, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Career, Savings, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Education, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Higher Education Is NOT the Only Path to Success! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 19 Nov 2020 21:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11626</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab311bf2-f22f-11ec-b8fd-c7a585254c8d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Career, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Debt, Education, Career, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Career, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[79d800cd-0a62-4cfd-b760-d29af0317729]]></guid>
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    <item>
      <title>I Found Out My Husband Owes $100,000 in Back Child Support (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Education, Insurance, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 19 Nov 2020 20:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aba3ed12-f22f-11ec-b8fd-7fb23d52d40b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Education, Insurance, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Education, Insurance, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Education, Insurance, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Find Joy When I Have PTSD and Depression? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 18 Nov 2020 22:39:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ac23456c-f22f-11ec-b8fd-fbb2c80e29b1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Raise a Special Needs Child Alongside My Other Child? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 18 Nov 2020 21:35:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ac848de0-f22f-11ec-b8fd-1fd90144133c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Deal With a Relative Who Won't Apologize? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 18 Nov 2020 20:30:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/acf45ba2-f22f-11ec-b8fd-fbdd8157cb63/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Career, Relationships Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Education, Career, Relationships
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Has Hoarded $500,000 in Cash...How Can I Help Him? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR
  </description>
      <pubDate>Tue, 17 Nov 2020 22:39:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad659d3a-f22f-11ec-b8fd-c75e68a97d22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts:   </itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Forgiveness Is More Satisfying Than Revenge (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 17 Nov 2020 21:36:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/adc5bdb4-f22f-11ec-b8fd-6b40cb5df816/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network podcasts: </itunes:subtitle>
      <itunes:summary>Savings, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Future Self Will Thank You for the Sacrifices You Make Now (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Budgeting, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 17 Nov 2020 20:35:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ae6d22c0-f22f-11ec-b8fd-67da48c481b9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt, Investing Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt, Investing
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Budgeting, Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Get Married in Our 60s? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Relationships, Home Selling, Education, Debt</description>
      <pubDate>Mon, 16 Nov 2020 22:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aeca486a-f22f-11ec-b8fd-53705646df17/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Home Selling, Education, Debt</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Home Selling, Education, Debt</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Home Selling, Education, Debt</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9c26bc7e-fe6b-419e-a5fc-0dacc877a737]]></guid>
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    </item>
    <item>
      <title>Get Closure on Your Debts so They Don't Come Back to Bite You (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 16 Nov 2020 21:35:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af313926-f22f-11ec-b8fd-2744fbfa8c1d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Debt, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Debt, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Debt, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4f478054-82c7-4f4a-9c52-437bd17147a9]]></guid>
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    <item>
      <title>My Parents Won the Lottery (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Relationships, Insurance, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 16 Nov 2020 20:35:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af9bf55e-f22f-11ec-b8fd-1b6699026c1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Relationships, Insurance, Budgeting Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Savings, Debt, Relationships, Insurance, Budgeting
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Relationships, Insurance, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Get Through College Debt-Free? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Savings, Career, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Fri, 13 Nov 2020 22:34:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0100f7a-f22f-11ec-b8fd-7f1856cace6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Savings, Career, Relationships   Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Education, Savings, Career, Relationships
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Savings, Career, Relationships</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>DAVE RANT: If You're Broke, You DON'T Deserve a Vacation! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Relationships, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Fri, 13 Nov 2020 21:35:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b07585f8-f22f-11ec-b8fd-875de92a20dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Relationships, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more...</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Relationships, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Relationships, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
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      <title>Academia Is NOT the Key to Success (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Career, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Fri, 13 Nov 2020 20:31:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0d606e4-f22f-11ec-b8fd-fb7d0940d836/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Career, Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Education, Career, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Career, Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>What Do We Do With My Dying Father's Assets? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Relationships, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 12 Nov 2020 22:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b14003b4-f22f-11ec-b8fd-1bfa32e29ac1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Relationships, Debt, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey...</itunes:subtitle>
      <itunes:summary>Education, Relationships, Debt, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Relationships, Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Ashamed of My Success During COVID (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Career, Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 12 Nov 2020 21:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b1a2c06c-f22f-11ec-b8fd-4b6b7b8ed8b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Debt, Business Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out more Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Debt, Business
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Debt, Business</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Facing a Layoff...Is It Time to Try Something New? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Relationships, Insurance, Budgeting, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 12 Nov 2020 20:31:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b2084b62-f22f-11ec-b8fd-2b708e6c3064/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Relationships, Insurance, Budgeting, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Career, Debt, Relationships, Insurance, Budgeting, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out more Ramsey Network podcasts: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Relationships, Insurance, Budgeting, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out more Ramsey Network podcasts: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Feel Like We're Wasting Money by Renting (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Retirement, Debt, Taxes
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 11 Nov 2020 22:34:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b27a0ce8-f22f-11ec-b8fd-1f329586ea48/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Retirement, Debt, Taxes Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other...</itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Retirement, Debt, Taxes
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Retirement, Debt, Taxes</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>These Veterans Paid Off 12 Credit Cards and 3 Car Loans!  (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Debt, Insurance
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 11 Nov 2020 21:35:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b3cab6a6-f22f-11ec-b8fd-d34ec00c00ba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Insurance Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the Ramsey...</itunes:subtitle>
      <itunes:summary>Business, Debt, Insurance
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Insurance</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
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      <title>Don't Sign Up for Stupid, Even if It Worked Once! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Savings, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 11 Nov 2020 20:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b42af052-f22f-11ec-b8fd-eb918175b765/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings, Insurance, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings, Insurance, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Savings, Insurance, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
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      <title>Should I Jump Back Into the Stock Market Right Now? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Education, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 10 Nov 2020 22:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b48bf47e-f22f-11ec-b8fd-b3dd1c218dd3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Education, Investing Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Education, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Education, Investing</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>My Family Is Pressuring Me to Stay in Our Expensive House (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Investing, Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 10 Nov 2020 21:36:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b4fd3742-f22f-11ec-b8fd-cb626597274c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Investing, Retirement, Debt, Home Selling Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out...</itunes:subtitle>
      <itunes:summary>Education, Investing, Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Investing, Retirement, Debt, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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      <title>Cars Are a Financial Trap! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Relationships, Debt, Taxes, Career, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 10 Nov 2020 20:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b58dced8-f22f-11ec-b8fd-97707fe24e0a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Relationships, Debt, Taxes, Career, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Insurance, Relationships, Debt, Taxes, Career, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: https://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Relationships, Debt, Taxes, Career, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="https://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="https://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="https://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="https://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>It's Not Immoral to Aspire to Be Wealthy (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </description>
      <pubDate>Mon, 09 Nov 2020 22:39:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b5f42296-f22f-11ec-b8fd-2b677022297e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out our other Ramsey Network...</itunes:subtitle>
      <itunes:summary>Savings, Education, Debt
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>  </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>My Wife's Dissociative Identity Disorder Is Causing Her to Overspend (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </description>
      <pubDate>Mon, 09 Nov 2020 21:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b6750a8c-f22f-11ec-b8fd-fff3c9f2ea08/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Career Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out our other Ramsey...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>  </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Washington Is NOT Going to Solve America's Problems! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </description>
      <pubDate>Mon, 09 Nov 2020 20:36:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b6d2e71a-f22f-11ec-b8fd-37e122aa6612/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Education Sign Up for a FREE trial of Ramsey+ TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out our other Ramsey Network...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Education
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: https://bit.ly/2QIoSPV

 Insurance Coverage Checkup: https://bit.ly/2BrqEuo

 Complete Guide to Budgeting: https://bit.ly/2QEyonc

  Check out our other Ramsey Network podcasts: https://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Education</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">https://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">https://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">https://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">https://bit.ly/2JgzaQR</a>  </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have Trouble Focusing on My Day-to-Day Tasks (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 06 Nov 2020 22:42:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b7330168-f22f-11ec-b8fd-c3f5b18141b4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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      <title>Should Our Son Pay Us Back for Flunking College? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt, Career, Education, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 06 Nov 2020 21:37:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b7a1747c-f22f-11ec-b8fd-873a3007079e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Career, Education, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other...</itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Career, Education, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Career, Education, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>How to Navigate Social Media With Your Middle-Schooler (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 06 Nov 2020 20:35:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b805acee-f22f-11ec-b8fd-db3657cf514c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <title>How Do I Shift Out of a Poverty Mindset After Getting an Inheritance? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Home Buying, Savings, Debt, Insurance, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 05 Nov 2020 22:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b866745c-f22f-11ec-b8fd-bfbafa6ba648/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Home Buying, Savings, Debt, Insurance, Retirement Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Education, Home Buying, Savings, Debt, Insurance, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Home Buying, Savings, Debt, Insurance, Retirement</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <title>Be Content With What You Have to Get Out of Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 05 Nov 2020 21:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b8c7ca5e-f22f-11ec-b8fd-433b32a0fa72/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>A Credit Score Is NOT an Indicator of Financial Health! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 05 Nov 2020 20:30:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b9317b84-f22f-11ec-b8fd-6b09856fc238/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>Should I Buy a Car for Ride-Sharing? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 04 Nov 2020 22:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b9a7dc70-f22f-11ec-b8fd-032ec1a36cdf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Retirement Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Retirement</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Rule 1 For Getting Out of Debt - Don't Take Out More! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Education, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 04 Nov 2020 21:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ba3f4dda-f22f-11ec-b8fd-47fe008e6e05/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Education, Home Buying, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Education, Home Buying, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Education, Home Buying, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I File Bankruptcy for the 4th Time? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 04 Nov 2020 20:50:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/baa9a266-f22f-11ec-b8fd-ff92864c49b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Insurance, Debt, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Move to America Without Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 03 Nov 2020 22:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bb1bf406-f22f-11ec-b8fd-9fc2a1d0a4ca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the Ramsey...</itunes:subtitle>
      <itunes:summary>Business, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Not Calling Out Red Flags Is NOT an Act of Love (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Selling, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 03 Nov 2020 21:35:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bbaaa0a2-f22f-11ec-b8fd-3bd6a082f719/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Career, Savings, Business Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts...</itunes:subtitle>
      <itunes:summary>Home Selling, Career, Savings, Business
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Career, Savings, Business</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We're Stuck in Two Mortgages! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 03 Nov 2020 20:35:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bc0dfa9e-f22f-11ec-b8fd-4f409737aabd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Debt, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>Don't Just Talk About Building Wealth....DO Something! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 02 Nov 2020 22:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bc969746-f22f-11ec-b8fd-3f25daa6c52b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Even During a Pandemic, You Can Change Your Family Tree! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Taxes, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 02 Nov 2020 21:35:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bd094ff2-f22f-11ec-b8fd-7f86147c031c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Retirement, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in...</itunes:subtitle>
      <itunes:summary>Debt, Taxes, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Pay Off Old Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Business, Debt, Insurance, Taxes, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 02 Nov 2020 20:30:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bd807bfe-f22f-11ec-b8fd-df32fddd4319/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Business, Debt, Insurance, Taxes, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check...</itunes:subtitle>
      <itunes:summary>Retirement, Business, Debt, Insurance, Taxes, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Business, Debt, Insurance, Taxes, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Nothing Extraordinary Happens Within Your Comfort Zone (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Career, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 30 Oct 2020 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bde66022-f22f-11ec-b8fd-23452534381a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Career, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in...</itunes:subtitle>
      <itunes:summary>Debt, Education, Career, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Career, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Struggling to Find a Job After Graduation (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Education, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 30 Oct 2020 20:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bebd2bf2-f22f-11ec-b8fd-635273bbf6f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Debt, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Career, Education, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Why Combining Accounts as a Married Couple Is Important (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Education, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 30 Oct 2020 19:30:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c01c5ef0-f22f-11ec-b8fd-3fa50c1ffe6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Debt, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts...</itunes:subtitle>
      <itunes:summary>Relationships, Education, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>I Think I Made a Mistake by Getting Married (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 29 Oct 2020 21:36:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c080ab62-f22f-11ec-b8fd-f33dd7c77a84/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the Ramsey...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Don't Let Pride Get in the Way of Your Progress (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Retirement, Business, Savings, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 29 Oct 2020 20:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c113462a-f22f-11ec-b8fd-f3c7d1e7f808/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Business, Savings, Debt Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other...</itunes:subtitle>
      <itunes:summary>Investing, Retirement, Business, Savings, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Business, Savings, Debt</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>Debt Consolidation Is a Drug (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 29 Oct 2020 19:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c177f8a4-f22f-11ec-b8fd-935cefd6bb89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:   Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Savings, Retirement, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Know When I Can Treat Myself? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Retirement, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 28 Oct 2020 21:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c1df5a1c-f22f-11ec-b8fd-3f9925f22a48/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Debt, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Career, Retirement, Debt, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The 6 Types of Working Genius (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Debt, Business, Insurance
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 28 Oct 2020 20:36:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c240af56-f22f-11ec-b8fd-4fd46b721fff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Business, Insurance Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Check out other podcasts in the...</itunes:subtitle>
      <itunes:summary>Career, Debt, Business, Insurance
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Business, Insurance</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Change Careers During the Pandemic? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Career, Investing, Savings, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 28 Oct 2020 19:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c2a64398-f22f-11ec-b8fd-37bfe423151e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Career, Investing, Savings, Education Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Check out other...</itunes:subtitle>
      <itunes:summary>Insurance, Career, Investing, Savings, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Career, Investing, Savings, Education</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Rekindle Our Relationship After Having Our First Kid? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Education, Relationships, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</description>
      <pubDate>Tue, 27 Oct 2020 21:36:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c30b95d6-f22f-11ec-b8fd-977d0db01296/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Relationships, Debt Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be debt-free. Get...</itunes:subtitle>
      <itunes:summary>Savings, Education, Relationships, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Relationships, Debt</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast,</p> <p><a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Makes Over $500,000 and Wants a Spending Spree (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Home Buying, Savings, Relationships
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</description>
      <pubDate>Tue, 27 Oct 2020 20:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c36fc25e-f22f-11ec-b8fd-6ffb54a7a222/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Home Buying, Savings, Relationships Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be debt-free. Get...</itunes:subtitle>
      <itunes:summary>Education, Home Buying, Savings, Relationships
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Home Buying, Savings, Relationships</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast,</p> <p><a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can't Have Leadership Without Creativity (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Home Buying, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</description>
      <pubDate>Tue, 27 Oct 2020 19:30:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c3cf10e2-f22f-11ec-b8fd-8396ff0a7350/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Debt Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be debt-free. Get the  you...</itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast,
 check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Buying, Debt</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast,</p> <p><a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Move Away From My Stepson for a Better Job? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Savings, Career, Investing, Relationships
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</description>
      <pubDate>Mon, 26 Oct 2020 21:36:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c44635aa-f22f-11ec-b8fd-a7c8e28ca016/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings, Career, Investing, Relationships Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings, Career, Investing, Relationships
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings, Career, Investing, Relationships</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast, <a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[419e9baf-7315-4616-8ecb-0a111dd71b60]]></guid>
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    <item>
      <title>I Have Really Big Dreams but a Really Small Wallet (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Savings, Investing
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</description>
      <pubDate>Mon, 26 Oct 2020 20:35:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4a5f562-f22f-11ec-b8fd-570723bd7346/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Savings, Investing Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be debt-free. Get...</itunes:subtitle>
      <itunes:summary>Debt, Education, Savings, Investing
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Savings, Investing</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast, <a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1b844d44-1a1a-45c8-a6c7-56128e3c81d9]]></guid>
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    <item>
      <title>I'm Worried That Baby Step 3 Will Take a Long Time (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</description>
      <pubDate>Mon, 26 Oct 2020 19:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c502c954-f22f-11ec-b8fd-ab28c16157f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt Say goodbye to debt forever.  to sign up for a FREE trial of Ramsey+. Here are some tools to get you started with Ramsey:  Use our  to find out exactly when you'll be debt-free. Get the  you need to protect...</itunes:subtitle>
      <itunes:summary>Savings, Debt
 Say goodbye to debt forever. Click here to sign up for a FREE trial of Ramsey+.
 Here are some tools to get you started with Ramsey:
  Use our Debt Calculator to find out exactly when you'll be debt-free.
 Get the Insurance Coverage you need to protect your family, your savings, your income, and your identity.
 Budgeting does not have to be hard. We've made it simple with our Complete Guide to Budgeting.    
  If you like what you hear on The Dave Ramsey Show podcast, check out our other Ramsey Network podcasts.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt</p> <p>Say goodbye to debt forever. <a href="https://bit.ly/31ricKt">Click here</a> to sign up for a FREE trial of Ramsey+.</p> <p>Here are some tools to get you started with Ramsey:</p> <ul> <li>Use our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> to find out exactly when you'll be debt-free.</li> <li>Get the <a href="http://bit.ly/2BrqEuo">Insurance Coverage</a> you need to protect your family, your savings, your income, and your identity.</li> <li>Budgeting does not have to be hard. We've made it simple with our <a href="http://bit.ly/2QEyonc">Complete Guide to Budgeting</a>.    </li> </ul> <p>If you like what you hear on <em>The Dave Ramsey Show</em> podcast, <a href="http://bit.ly/2JgzaQR">check out our other Ramsey Network podcasts</a>.</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5906b3f8-3de5-4ed3-a6a5-a0c1be8dc54f]]></guid>
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    <item>
      <title>Where Should I Invest My Savings? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 23 Oct 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11570</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c560a47a-f22f-11ec-b8fd-2b9ce26646a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Savings</itunes:subtitle>
      <itunes:summary>Investing, Debt, Savings
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Savings</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[31fdea4c-0bf9-40fe-bbfc-fe9408dc629a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7099833898.mp3?updated=1655908189" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Seven Months Behind on Mortgage…What Do I Do? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 23 Oct 2020 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11569</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5be36da-f22f-11ec-b8fd-13d5c74cf5d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
  
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p> </p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c60bd7e9-1962-44fd-8be6-94a98456ec58]]></guid>
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    <item>
      <title>Should I Use My Savings to Pay Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </description>
      <pubDate>Fri, 23 Oct 2020 19:35:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11568</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c65a731a-f22f-11ec-b8fd-6b9e0ccf4468/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Selling</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Selling
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Quickly Should I Make Financial Decisions After a Death? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 22 Oct 2020 21:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6b4ea20-f22f-11ec-b8fd-7bf5e97a4275/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement Sign Up for a FREE trial of Ramsey+ TODAY:     Tools to get you started: Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Do you have a will yet? Get started...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Some Cities Have Screwed Up Their Economies in the Pandemic! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 22 Oct 2020 20:35:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c721fbba-f22f-11ec-b8fd-5b6540267d11/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:     Tools to get you started: Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Do you have a will yet? Get started...</itunes:subtitle>
      <itunes:summary>Investing, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should My Emergency Fund Be Over $1K? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </description>
      <pubDate>Thu, 22 Oct 2020 19:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c8adba46-f22f-11ec-b8fd-0fbeb01b8d43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Savings Sign Up for a FREE trial of Ramsey+ TODAY:     Tools to get you started: Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Do you have a will yet? Get started...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Savings
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
  
 Tools to get you started:
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
  
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Savings</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p> </p> <p>Tools to get you started:</p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p> </p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[da3765d3-031c-4cb4-a650-dd423d9d7adb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8706118393.mp3?updated=1655908192" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Find the Best Employees? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Leadership, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 21 Oct 2020 21:36:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/caa67374-f22f-11ec-b8fd-f72d3c9e220f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Leadership, Career Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a will...</itunes:subtitle>
      <itunes:summary>Debt, Leadership, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Leadership, Career</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08ad1cab-eff6-4336-8d30-cbedc34938c9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6753987724.mp3?updated=1655908192" length="0" type="audio/mpeg"/>
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    <item>
      <title>Should I Tithe? How to Figure It Out. (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Saving, Career, Budgeting
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 21 Oct 2020 20:51:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb6b2a98-f22f-11ec-b8fd-5789b313cf30/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Career, Budgeting Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a will...</itunes:subtitle>
      <itunes:summary>Saving, Career, Budgeting
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Saving, Career, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3799762d-e181-4f1e-af1c-c3aa3ebe3e8d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9750925345.mp3?updated=1655908193" length="0" type="audio/mpeg"/>
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    <item>
      <title>What Are Savings Goals AFTER Retirement? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, House Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 21 Oct 2020 19:35:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc111a66-f22f-11ec-b8fd-8fa7231cb971/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, House Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, House Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, House Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d2a49315-fef9-4eb7-b0b7-5defae90e8c4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1014059150.mp3?updated=1655908193" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I’m Now Debt-Free, Should I Get a Mortgage? Dave Says… (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Investing, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 20 Oct 2020 21:36:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc7f108e-f22f-11ec-b8fd-cf9050112f45/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Investing, Debt Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a...</itunes:subtitle>
      <itunes:summary>Home Buying, Investing, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Investing, Debt</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Cash Out Investment to Pay Down Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Education, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 20 Oct 2020 20:35:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd715966-f22f-11ec-b8fd-77f75eb1d0c9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Investing Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a...</itunes:subtitle>
      <itunes:summary>Savings, Education, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Investing</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c1a7df88-fafe-440a-a232-4c5467057d60]]></guid>
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    <item>
      <title>Do I Really Need to Build a Credit Score? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Tue, 20 Oct 2020 19:35:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce31bf62-f22f-11ec-b8fd-7740954db486/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Do you have a...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

 Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Investing</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> <li>Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Sell Home or Keep It for Rental Income? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Investing
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Oct 2020 21:36:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cecb9970-f22f-11ec-b8fd-ffb50366f953/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Investing --Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  --Debt Calculator:  --Insurance Coverage Checkup:  --Complete Guide to Budgeting:  --Do you have a will yet? Get...</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Investing
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Investing</p> <p>--Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>--Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>--Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>--Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>--Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[de7dcf33-94dd-4e1a-886b-4c11da889a34]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9920312755.mp3?updated=1655908196" length="0" type="audio/mpeg"/>
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    <item>
      <title>DAVE RANT: The CARES Act…Helping or Hurting Americans? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Oct 2020 20:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf9d7238-f22f-11ec-b8fd-932a594810d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career --Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  --Debt Calculator:  --Insurance Coverage Checkup:  --Complete Guide to Budgeting:  --Do you have a will yet? Get started...</itunes:subtitle>
      <itunes:summary>Debt, Career
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>--Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>--Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>--Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>--Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>--Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8b437041-4aa4-4dd4-9d45-59f9cdcf1617]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2216796727.mp3?updated=1655908196" length="0" type="audio/mpeg"/>
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    <item>
      <title>Pandemic Loan Forbearance: Should I Take It? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Real Estate
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Oct 2020 19:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d0b11292-f22f-11ec-b8fd-e3de2310e64b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Real Estate --Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  --Debt Calculator:  --Insurance Coverage Checkup:  --Complete Guide to Budgeting:  --Do you have a will yet? Get...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Real Estate
 --Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 --Debt Calculator: http://bit.ly/2QIoSPV
 --Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 --Complete Guide to Budgeting: http://bit.ly/2QEyonc
 --Do you have a will yet? Get started here: https://bit.ly/3dvXSLJ
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Real Estate</p> <p>--Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>--Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>--Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>--Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>--Do you have a will yet? Get started here: <a href="https://bit.ly/3dvXSLJ">https://bit.ly/3dvXSLJ</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[76f95361-bff4-449d-bb1b-0d7bea3252e9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7745276486.mp3?updated=1655908197" length="0" type="audio/mpeg"/>
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    <item>
      <title>Why You Should Never Directly Ask for a Raise (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </description>
      <pubDate>Fri, 16 Oct 2020 21:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d14cfe3c-f22f-11ec-b8fd-6b7f7248f7e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Sign Up for a FREE trial of Ramsey+ TODAY:   ### Check out our other Ramsey Network podcasts:  ### Tools to get you started: Debt Calculator  Insurance Coverage Checkup  Complete Guide to Budgeting  ...</itunes:subtitle>
      <itunes:summary>Debt, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>###</p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p> <p>###</p> <p>Tools to get you started:</p> <p>Debt Calculator <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>    </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7548547974.mp3?updated=1655908197" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Promotion Has Made Me Miserable (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Business, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </description>
      <pubDate>Fri, 16 Oct 2020 20:35:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1de7538-f22f-11ec-b8fd-c3f42547723a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Business, Savings, Career Sign Up for a FREE trial of Ramsey+ TODAY:   ### Check out our other Ramsey Network podcasts:  ### Tools to get you started: Debt Calculator  Insurance Coverage Checkup  Complete...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Business, Savings, Career
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Business, Savings, Career</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>###</p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p> <p>###</p> <p>Tools to get you started:</p> <p>Debt Calculator <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>    </p>]]>
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      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Get Certifications or a Master's Degree? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Career, Retirement, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </description>
      <pubDate>Fri, 16 Oct 2020 19:36:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3627f12-f22f-11ec-b8fd-cf71364920c2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Career, Retirement, Investing, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY:   ### Check out our other Ramsey Network podcasts:  ### Tools to get you started: Debt Calculator  Insurance Coverage...</itunes:subtitle>
      <itunes:summary>Debt, Education, Career, Retirement, Investing, Home Buying
 Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/31ricKt 
 ###
 Check out our other Ramsey Network podcasts: http://bit.ly/2JgzaQR
 ###
 Tools to get you started:
 Debt Calculator http://bit.ly/2QIoSPV
 Insurance Coverage Checkup http://bit.ly/2BrqEuo
 Complete Guide to Budgeting http://bit.ly/2QEyonc    </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Career, Retirement, Investing, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey+ TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>###</p> <p>Check out our other Ramsey Network podcasts: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a></p> <p>###</p> <p>Tools to get you started:</p> <p>Debt Calculator <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>    </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Won $1 Million in the Lottery - What Do I Do With It? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Education, Relationships, Debt
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Oct 2020 21:36:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d6629aa8-f22f-11ec-b8fd-37a0bbbed9f6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Education, Relationships, Debt s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Insurance, Education, Relationships, Debt
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Education, Relationships, Debt</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Mortgage Is $18,000 a Month (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Relationships, Career, Debt, Investing
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Oct 2020 20:35:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d88f0ae6-f22f-11ec-b8fd-a305c397014b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Career, Debt, Investing s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Career, Debt, Investing
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Career, Debt, Investing</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3730647236.mp3?updated=1655908200" length="0" type="audio/mpeg"/>
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    <item>
      <title>What Red Flags Should I Look for in a Relationship? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Savings, Education
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Oct 2020 19:30:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9751b4e-f22f-11ec-b8fd-27a0228e7644/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings, Education s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings, Education
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings, Education</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[23f00f51-c4df-4020-b60d-5b55b1fc169c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7818560394.mp3?updated=1655908200" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Much Should We Spend on Diamonds? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Retirement, Home Buying
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Oct 2020 21:36:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da1b0cfc-f22f-11ec-b8fd-9b22021378c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Home Buying s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:...</itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Home Buying
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Home Buying</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[af75cf37-89bf-428a-9392-45c62ccc66e5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9331563499.mp3?updated=1655908201" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: When You're Broke, You're Not Entitled to ANYTHING! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting, Career
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Oct 2020 20:35:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da8e44d8-f22f-11ec-b8fd-d3c09d36af69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Career s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Career
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Career</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[01caf3eb-c445-44b4-8a6e-55fd5528dd1d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3967981998.mp3?updated=1655908202" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Address the Issues Underneath Your Money Problems (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Oct 2020 19:35:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db0f1aea-f22f-11ec-b8fd-c324df433f68/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement s heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
 s heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p> <p>s heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[693c9f7b-3a81-4416-8bc5-286982b63658]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8037459524.mp3?updated=1655908202" length="0" type="audio/mpeg"/>
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    <item>
      <title>My Dad Took Me Out of His Will (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Relationships, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Oct 2020 21:36:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dbd27120-f22f-11ec-b8fd-cb745219ec47/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Insurance As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Insurance
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Insurance</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My House Is Paid Off...What Now? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Oct 2020 20:35:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc6cd936-f22f-11ec-b8fd-832bd58f281e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[06eebfcd-dbb9-4964-acf9-cf037242b789]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6068017321.mp3?updated=1655908203" length="0" type="audio/mpeg"/>
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    <item>
      <title>How Do I Find a Good Counselor? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Oct 2020 19:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dccb7e46-f22f-11ec-b8fd-979aeeeac6e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Relationships, Career As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Debt, Investing, Relationships, Career
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Relationships, Career</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e8be170b-2830-4507-af4e-cc70cad39cfb]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4068416825.mp3?updated=1655908204" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My Late Husband's IRA Is Going to His Parents (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Retirement, Relationships, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Oct 2020 21:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11543</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd2406ec-f22f-11ec-b8fd-4781cfc9c6ea/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Relationships, Debt, Budgeting As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to...</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Relationships, Debt, Budgeting
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Relationships, Debt, Budgeting</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2434</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a8a79ea6-ebe4-4bbe-b203-ccfe72a9943f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2726761082.mp3?updated=1655908204" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>They Paid Off $448,000 in 16 months! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Oct 2020 20:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd7bdf5c-f22f-11ec-b8fd-87f0b83b149c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other...</itunes:subtitle>
      <itunes:summary>Debt, Education
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2845c167-b049-457a-a986-e5cf7e2b71ce]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1695110180.mp3?updated=1655908204" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Word "No" Can Set You Free (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Education, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Oct 2020 19:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ddd4b744-f22f-11ec-b8fd-37089f776267/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Education, Retirement As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Education, Retirement
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Education, Retirement</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8e7e443c-6d75-4ef8-8e23-6c54cd4f7be1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7632123502.mp3?updated=1655908205" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>My 8-Year-Old Thinks Love Is Only Shown With Gifts (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Oct 2020 21:36:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de2a2490-f22f-11ec-b8fd-13f3c1f80026/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cb693494-d617-438b-a704-966fe70c0a13]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2126902219.mp3?updated=1655908205" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Redefine Your New Normal (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Business, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Oct 2020 20:35:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de85dff6-f22f-11ec-b8fd-e37927d8bea5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Relationships, Debt As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Career, Business, Relationships, Debt
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Relationships, Debt</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Credit Card Companies Don't Give - They Just Take! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Savings, Debt, Retirement, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Oct 2020 19:35:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dedd50c4-f22f-11ec-b8fd-af6b1c133f68/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Savings, Debt, Retirement, Home Selling As heard on this episode: Sign Up for a FREE trial of Ramsey Plus TODAY:    Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:...</itunes:subtitle>
      <itunes:summary>Relationships, Savings, Debt, Retirement, Home Selling
 As heard on this episode:
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Savings, Debt, Retirement, Home Selling</p> <p>As heard on this episode:</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2446</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Keep Letting My Parents Live in My House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Relationships, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Oct 2020 21:36:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df51712a-f22f-11ec-b8fd-2b1df3cbac3f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Debt Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out...</itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Debt</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Financial Advisors I Talked to Are Giving Conflicting Advice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Relationships, Investing, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Oct 2020 20:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dfb36682-f22f-11ec-b8fd-8b20fd735be6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Relationships, Investing, Budgeting, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Relationships, Investing, Budgeting, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Relationships, Investing, Budgeting, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8013232693.mp3?updated=1655908207" length="0" type="audio/mpeg"/>
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    <item>
      <title>They Paid Off $188,000! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Oct 2020 19:35:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e00b631e-f22f-11ec-b8fd-c3045f6a010b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3445974186.mp3?updated=1655908208" length="0" type="audio/mpeg"/>
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    <item>
      <title>How Do I Enjoy Money While Focusing on Financial Goals? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Oct 2020 21:36:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e065f748-f22f-11ec-b8fd-6bc88298ddee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Home Selling Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Home Selling
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Home Selling</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Fall Into the Cycle of Collecting Credit (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Savings, Education, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Oct 2020 20:42:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0bea30c-f22f-11ec-b8fd-bbec0699eadc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Savings, Education, Retirement Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Relationships, Debt, Savings, Education, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Savings, Education, Retirement</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The CARES Act Doesn't Care About Your Future! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Education, Career, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Oct 2020 19:35:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e11b979c-f22f-11ec-b8fd-27d601551290/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Education, Career, Retirement Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide: ...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Education, Career, Retirement
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Education, Career, Retirement</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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      <title>My Aunt Died Without a Will With an Estate Worth Millions (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Savings, Budgeting
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Oct 2020 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e17dc750-f22f-11ec-b8fd-43749e213332/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Savings, Budgeting Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Savings, Budgeting
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Savings, Budgeting</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2436</itunes:duration>
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      <title>Should I Wait to Pay My Student Loans Until After the Election? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Oct 2020 20:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e1d5d0bc-f22f-11ec-b8fd-236e9371c0fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide: ...</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Retirement, Relationships, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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      <title>My Friend Gave Me a $20,000 Gift but I'm in Baby Step 2 (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Oct 2020 19:35:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e22e8522-f22f-11ec-b8fd-e3d3fc86002f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Savings, Relationships Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  ...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Savings, Relationships
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Savings, Relationships</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2442</itunes:duration>
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      <title>My Husband and His Mom Co-Own an Apartment (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Relationships, Business, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Oct 2020 21:36:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e288c76c-f22f-11ec-b8fd-93965ee5a50e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Relationships, Business, Savings Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Home Buying, Relationships, Business, Savings
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Relationships, Business, Savings</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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      <title>Don't Let Your Business Dream Turn Into a Nightmare! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Taxes, Relationships, Debt, Business
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Oct 2020 20:35:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2e44e34-f22f-11ec-b8fd-5f01eba2836a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Taxes, Relationships, Debt, Business Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Savings, Taxes, Relationships, Debt, Business
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Taxes, Relationships, Debt, Business</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>Why Renting Is NOT Wasted Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Interview Guide: http://bit.ly/2BuGnZE
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Oct 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e35070f0-f22f-11ec-b8fd-2b8826849e02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  Check out...</itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
 Debt Calculator: http://bit.ly/2QIoSPV
 Insurance Coverage Checkup: http://bit.ly/2BrqEuo
 Complete Guide to Budgeting: http://bit.ly/2QEyonc
 Interview Guide: http://bit.ly/2BuGnZE
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <p>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a></p> <p>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a></p> <p>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a></p> <p>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a></p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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      <title>My Mortgage Is 100% of My Income (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Oct 2020 21:36:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11524</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3b1433a-f22f-11ec-b8fd-7f9f8db50875/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>You Can't Force Someone to Change! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Home Buying, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Oct 2020 20:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e41476f8-f22f-11ec-b8fd-af4c66603dbe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Buying, Debt Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out...</itunes:subtitle>
      <itunes:summary>Relationships, Home Buying, Debt
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Buying, Debt</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No External Plug to an Internal Hole (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Relationships, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Oct 2020 19:35:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e475f892-f22f-11ec-b8fd-f7eb75b5cf28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Relationships, Education Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  ...</itunes:subtitle>
      <itunes:summary>Savings, Debt, Relationships, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Relationships, Education</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Hid the Fact That I Have a Brother (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Career, Debt, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Oct 2020 21:36:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4d3c634-f22f-11ec-b8fd-1be56853a3c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Debt, Education Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  ...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Debt, Education
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Debt, Education</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>How Do I Re-Enter the Workforce After 20 Years? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Oct 2020 20:35:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5458224-f22f-11ec-b8fd-77cff59311bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Career Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Career
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting, Career</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Put an Artificial Cap on Your Career Growth (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Career, Savings, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Oct 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5af37d2-f22f-11ec-b8fd-3bfe514f4aff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Savings, Debt, Home Buying Sign Up for a FREE trial of Ramsey Plus TODAY:   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Relationships, Career, Savings, Debt, Home Buying
 Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt 
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Savings, Debt, Home Buying</p> <p>Sign Up for a FREE trial of Ramsey Plus TODAY: <a href="https://bit.ly/31ricKt">https://bit.ly/31ricKt</a> </p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Poke the Bear! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Career, Relationships, Debt, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 30 Sep 2020 21:36:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e64e1b86-f22f-11ec-b8fd-ffbf2ce56421/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Relationships, Debt, Investing, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Career, Relationships, Debt, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Career, Relationships, Debt, Investing, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>What You Believe Informs the Way You Handle Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 30 Sep 2020 20:35:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6b725d6-f22f-11ec-b8fd-77556065911b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>Invite Your Spouse Into Your Dream - Don't Make Mandates! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Budgeting, Relationships, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 30 Sep 2020 19:35:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7175d3e-f22f-11ec-b8fd-93c6e848aa9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Budgeting, Relationships, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Budgeting, Relationships, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Budgeting, Relationships, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Talk to Yourself the Way You Talk to Your Friends (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Sep 2020 21:36:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7767f26-f22f-11ec-b8fd-5b7f1b5fe6b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2436</itunes:duration>
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    <item>
      <title>Excuses Are Limiting Your Success! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Sep 2020 20:35:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8a79cae-f22f-11ec-b8fd-dbbe07b6a8b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>You Have to Make a Clear Plan for Your Life (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Sep 2020 19:35:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb3936bc-f22f-11ec-b8fd-dfadd8be2bde/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>Don't Skip Over Dollars to Pick Up Nickels! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Taxes, Savings, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Sep 2020 21:36:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb9b9456-f22f-11ec-b8fd-d7bbbdd93af8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Taxes, Savings, Debt, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Taxes, Savings, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Taxes, Savings, Debt, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: I Told You NOT to Take the PPP Loan! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Dave Rant
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Sep 2020 20:35:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ebf90398-f22f-11ec-b8fd-37f600890fc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Dave Rant  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Dave Rant
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Dave Rant</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My In-Laws Are Overstaying Their Welcome (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Sep 2020 19:35:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec5535a0-f22f-11ec-b8fd-1b86fe805c7d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Wait to Cash Flow Grad School? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Sep 2020 21:36:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecac9cd2-f22f-11ec-b8fd-3f4bddb2ef72/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Wants to Leave Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Sep 2020 20:35:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed07ae56-f22f-11ec-b8fd-8bfd7567e8c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>My Husband Disagrees With Me About How to Use Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Sep 2020 19:35:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed5fe85a-f22f-11ec-b8fd-cf604a61f3bd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>What Do We Do With Our "Storm Mode" Fund? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Relationships, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Sep 2020 21:36:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/edd060f8-f22f-11ec-b8fd-37587d721531/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Investing, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Investing, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm Addicted to Salt - How Do I Stop? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Sep 2020 20:35:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee342ad4-f22f-11ec-b8fd-87b537dd1e3b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>A Victim Mentality Is Not Helpful! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Insurance, Debt, Investing, Relationships\
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Sep 2020 19:36:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee8d29d6-f22f-11ec-b8fd-63a058ce4b58/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Insurance, Debt, Investing, Relationships\  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Insurance, Debt, Investing, Relationships\
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do I Influence My Godson When It Comes to Money? (Hour 3)</title>
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      <description>Debt, Home Selling, Savings, Relationships, Education
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Sep 2020 21:36:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11504</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eeefa192-f22f-11ec-b8fd-1fa34756ceec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Savings, Relationships, Education Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Savings, Relationships, Education
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Debt, Home Selling, Savings, Relationships, Education</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Intentionality Is One of the Keys to Debt-Freedom (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Sep 2020 20:35:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef46ccf6-f22f-11ec-b8fd-4bf6181f3258/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Go After My Ex-Wife for Child Support? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Investing, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Sep 2020 19:35:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef9f49a8-f22f-11ec-b8fd-db68298cd1b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Investing, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Investing, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Relationships, Investing, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Is There Such a Thing As Good Debt? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/is-there-such-a-thing-as-good-debt-hour-3</link>
      <description>Education, Debt, Savings, Home Buying, Home Selling, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Sep 2020 21:51:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f018cf44-f22f-11ec-b8fd-ff5388611a19/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Savings, Home Buying, Home Selling, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Savings, Home Buying, Home Selling, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Education, Debt, Savings, Home Buying, Home Selling, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Wife Thinks God Wants Us to Remain in Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Retirement, Debt, Savings, Education, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Sep 2020 20:35:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0710772-f22f-11ec-b8fd-5ff3c6df5088/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Debt, Savings, Education, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Retirement, Debt, Savings, Education, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Retirement, Debt, Savings, Education, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Should My Fiancé and I Split Wedding Expenses? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Career, Relationships, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Sep 2020 19:35:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0cc94fc-f22f-11ec-b8fd-cff86159718e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career, Relationships, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career, Relationships, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career, Relationships, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The White House Won't Fix Your Life! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Sep 2020 21:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f12869da-f22f-11ec-b8fd-939555d6c1fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2467</itunes:duration>
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      <title>You've GOT to Stop Borrowing Money! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Sep 2020 20:35:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f180f582-f22f-11ec-b8fd-93bd65298660/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2466</itunes:duration>
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      <title>How Do I Budget for Starting a Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Home Buying, Savings, Business, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Sep 2020 19:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1d83806-f22f-11ec-b8fd-77762e75293d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying, Savings, Business, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying, Savings, Business, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying, Savings, Business, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2475</itunes:duration>
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      <title>Should I Put Marriage on Hold to Help Out My Mom? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Career, Debt, Savings, Education, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Sep 2020 21:36:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f235a130-f22f-11ec-b8fd-f30643b48e98/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Debt, Savings, Education, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Career, Debt, Savings, Education, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Debt, Savings, Education, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2468</itunes:duration>
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    <item>
      <title>Don't Underestimate Momentum! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Sep 2020 20:35:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f29e8d8a-f22f-11ec-b8fd-07db43c683e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Business, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Business, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Be Afraid to Go After Your Goals (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Sep 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2f652c2-f22f-11ec-b8fd-43a7af54ca20/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Don't Know What the Future Holds, So Don't Hang On to Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Savings, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Sep 2020 21:36:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f35357ba-f22f-11ec-b8fd-2f49fa0d46f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Savings, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Save for My Kid's Education? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Education, Debt, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Sep 2020 20:35:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3f5e340-f22f-11ec-b8fd-075ea6de67e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Struggling to Land a Career (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Sep 2020 19:35:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f45b8fd8-f22f-11ec-b8fd-2f824ebaf7a2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Become a Millionaire Without an Inheritance! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Sep 2020 21:36:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4b84d5e-f22f-11ec-b8fd-5f4b40981a7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should We Wait to Have Kids Until We're Out of Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Relationships, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Sep 2020 20:35:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f513779c-f22f-11ec-b8fd-4b4ae3eaf611/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Relationships, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Relationships, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Relationships, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Giving Isn't Just About Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Sep 2020 19:35:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f56cdf26-f22f-11ec-b8fd-bfd6cb972d9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2472</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Buy a Corvette at 16 Years Old? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Relationships, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Sep 2020 21:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5c9bec6-f22f-11ec-b8fd-d797f1ad58a2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Relationships, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Open Your Mind to the Possibility of a Better Tomorrow (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Sep 2020 20:35:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6270e8c-f22f-11ec-b8fd-6b8c33118520/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Money Flows Toward What You Care About (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Sep 2020 19:35:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6816f30-f22f-11ec-b8fd-c72f6d122b3d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>How Do I Start a Company and Not Just a Job? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Sep 2020 21:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6db7084-f22f-11ec-b8fd-937d099117b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Investing, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Investing, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>I'm Worried About Money Issues in My Relationship (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Sep 2020 20:35:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f741fc50-f22f-11ec-b8fd-1fa1bd204351/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Don't Forget That Boundaries Have Consequences (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Sep 2020 19:35:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7a1b79e-f22f-11ec-b8fd-f7e747e9eb58/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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      <title>Should I Refinance My House at 78 Years Old? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Sep 2020 21:36:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7fce36c-f22f-11ec-b8fd-53870ef68d09/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>He Has $322,000 in Savings but Still Lives With His In-Laws (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Savings, Relationships, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Sep 2020 20:35:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f85a0826-f22f-11ec-b8fd-a334062e168d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Relationships, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Savings, Relationships, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Relationships, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2435</itunes:duration>
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      <title>Don't Let a Financial Goal Hurt Your Marriage (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Investing, Home Selling, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Sep 2020 19:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f8cb1cc8-f22f-11ec-b8fd-7f6579a9e9f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Home Selling, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Investing, Home Selling, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Home Selling, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>How Do I Control My Impulse Spending? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Taxes, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Sep 2020 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11477</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f924c9d0-f22f-11ec-b8fd-df26d821fd52/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Taxes, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Taxes, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Taxes, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>My In-Laws Gave Us a House but Now They're Homeless (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Investing, Relationships, Business, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Sep 2020 20:35:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f97de11e-f22f-11ec-b8fd-47971f522703/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Investing, Relationships, Business, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Investing, Relationships, Business, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Investing, Relationships, Business, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>When Should I Talk to My Girlfriend About Money? (Hour 1)</title>
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      <description>Investing, Relationships, Home Selling, Education, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Sep 2020 19:35:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa142ea8-f22f-11ec-b8fd-bf05d8a216fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Relationships, Home Selling, Education, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Relationships, Home Selling, Education, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Investing, Relationships, Home Selling, Education, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Can't Convince My Husband to Move Out of His Parents' House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Sep 2020 21:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fcf6dfbc-f22f-11ec-b8fd-af4a145b27a0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Education, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Education, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Work Less to Spend More Time With My Sick Wife? (Hour 2)</title>
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      <description>Education, Savings, Career, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Sep 2020 20:35:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fe7819dc-f22f-11ec-b8fd-1b11eb7035df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Savings, Career, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Savings, Career, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Can't Have Unified Actions When You Have Separate Accounts (Hour 1)</title>
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      <description>Career, Relationships, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Sep 2020 19:35:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Career, Relationships, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Ex-Husband Lives in a House That's in My Name (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Business, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Sep 2020 21:35:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:image href="https://megaphone.imgix.net/podcasts/ff551c7e-f22f-11ec-b8fd-bb85b83f6519/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Business, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Business, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Business, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Isolate When You're Struggling With Something (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Sep 2020 20:35:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ffb026c8-f22f-11ec-b8fd-3bfb708d8f0c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Shop Your Way to Feeling Better! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Taxes, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Sep 2020 19:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00085ece-f230-11ec-b8fd-874d2e858d63/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Taxes, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Taxes, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Education, Taxes, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>My Grandmother Wants to Leave Me Debt (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/my-grandmother-wants-to-leave-me-debt-hour-3</link>
      <description>Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Sep 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0061838c-f230-11ec-b8fd-eb4f2657cac7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Education, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>Don't Make Long-Term Decisions After Experiencing Loss (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/dont-make-long-term-decisions-after-experiencing-loss-hour-2</link>
      <description>Relationships, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Sep 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11467</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00ba1e98-f230-11ec-b8fd-5b33bc2e3309/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>Don't Carry a Brick That Someone Else Handed You (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/dont-carry-a-brick-that-someone-else-handed-you-hour-1</link>
      <description>Relationships, Insurance, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Sep 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01120af4-f230-11ec-b8fd-676ec2bdaf84/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Insurance, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Insurance, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Insurance, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>How Should I Use My Savings? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 04 Sep 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11465</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/016d841a-f230-11ec-b8fd-0b1150c2a01e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Trouble Getting Job Interviews? Listen to this Advice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 04 Sep 2020 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11464</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01c8aeda-f230-11ec-b8fd-bf6014ed6767/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Much Should I Save for a House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 04 Sep 2020 19:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11463</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/022231a8-f230-11ec-b8fd-4348f26bd963/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a House When I Have $202,000 in Debt? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Investing, Business, Insurance, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Sep 2020 21:36:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/02c368fc-f230-11ec-b8fd-23175edcfbfb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Investing, Business, Insurance, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Investing, Business, Insurance, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Investing, Business, Insurance, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Just Talk About a Legacy - Build One! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Sep 2020 20:35:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/04433752-f230-11ec-b8fd-0b8021e15182/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Feeling a Lot of Pressure to Finish My Degree (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Career, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Sep 2020 19:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06db4798-f230-11ec-b8fd-fbd868c50659/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Career, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Career, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Career, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Dad Left Me More Than $1,000,000 (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Sep 2020 21:35:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/08ee959e-f230-11ec-b8fd-d3b002a1833a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2439</itunes:duration>
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      <title>Strive to Be Effective...NOT Busy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Taxes, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Sep 2020 20:35:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/099639b6-f230-11ec-b8fd-13ccd65e2399/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Taxes, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Taxes, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Taxes, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>I Co-Signed on a Car That Got Repossessed! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Sep 2020 19:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09ef8fa2-f230-11ec-b8fd-335eaf55b9b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2442</itunes:duration>
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      <title>Do NOT Pay Your Girlfriend's Bills! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Sep 2020 21:36:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a46e9b4-f230-11ec-b8fd-33033262eea8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2453</itunes:duration>
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      <title>How Gazelle Intensity Works (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Education, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Sep 2020 20:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a9c8770-f230-11ec-b8fd-fbf15469b0f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Education, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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      <title>How Do I Save Money With a Low Income? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Home Selling, Debt, Savings, Career, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Sep 2020 19:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0b018a62-f230-11ec-b8fd-0f972ef56a6d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Debt, Savings, Career, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Debt, Savings, Career, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Home Selling, Debt, Savings, Career, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>How Do I Invest My Extra Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 31 Aug 2020 21:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0b62eac8-f230-11ec-b8fd-83a95122a79a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2498</itunes:duration>
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      <title>Should I Put Money Into a CD? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Savings, Home Selling, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 31 Aug 2020 20:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0bbe2050-f230-11ec-b8fd-73ec492f4f03/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Savings, Home Selling, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Savings, Home Selling, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Savings, Home Selling, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2436</itunes:duration>
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      <title>You Can Glance Backward, but You Should Focus Forward (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08312020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 31 Aug 2020 19:35:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0c146438-f230-11ec-b8fd-8ffe48ad8d1b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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      <title>Your Health Is More Important Than Your Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Aug 2020 21:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11450</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d5a0140-f230-11ec-b8fd-ebb328fbaabc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>What Is Our Next Step? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Aug 2020 20:35:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0ff53d98-f230-11ec-b8fd-774c6ef9fbf6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2493</itunes:duration>
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      <title>What Do I Do When Nobody Will Hire Me? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Aug 2020 19:35:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1288cd0e-f230-11ec-b8fd-7754ec41b6d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Dave's Thoughts on Where Higher Education Is Going (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Aug 2020 21:36:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13e92112-f230-11ec-b8fd-77d643f345c3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Education, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Education, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>My Husband and I Disagree About Selling the House (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Investing, Retirement, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Aug 2020 20:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/145595d6-f230-11ec-b8fd-879f26d5429b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Investing, Retirement, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Investing, Retirement, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Investing, Retirement, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>A Gift That Has Strings Attached Is Not a Gift! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Career, Retirement, Savings, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Aug 2020 19:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/14ae3f74-f230-11ec-b8fd-3768eff4056b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Retirement, Savings, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Career, Retirement, Savings, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Retirement, Savings, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Fiancé's Mom Controls His Finances! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Relationships, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Aug 2020 21:36:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/150be0f2-f230-11ec-b8fd-2bd9e3ba51d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2499</itunes:duration>
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    <item>
      <title>You Need a "Why" That's Bigger Than Your "Right Now" (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Aug 2020 20:35:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1564b704-f230-11ec-b8fd-d79378abc7e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Is It Okay to Use a VA Loan? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Aug 2020 19:35:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/15bb846c-f230-11ec-b8fd-6fc807d4395a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Move Out of My Parent's House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Home Buying, Debt, Education, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Aug 2020 21:35:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/161ebdd4-f230-11ec-b8fd-97b94a1c77b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Home Buying, Debt, Education, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Home Buying, Debt, Education, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Home Buying, Debt, Education, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Need to Fire Your Financial Advisor! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Aug 2020 20:35:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/167ac494-f230-11ec-b8fd-cf55b85d61ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Debt, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>They Have $2000 a Month in Car Payments! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Retirement, Savings, Debt, Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Aug 2020 19:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/16d73062-f230-11ec-b8fd-03bd1a7529c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Retirement, Savings, Debt, Business, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Retirement, Savings, Debt, Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Retirement, Savings, Debt, Business, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>How Do I Pay Off Three Mortgages? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Aug 2020 21:35:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17308004-f230-11ec-b8fd-d730f7a196f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>There IS an End to Your Debt Payments - Don't Give Up! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Retirement, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Aug 2020 20:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17d85e8c-f230-11ec-b8fd-1bf8141a3d81/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Retirement, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Retirement, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Retirement, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Got Scammed! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Aug 2020 19:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1833d3c0-f230-11ec-b8fd-b34c0d2e1523/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>There Are No Magic Beans When It Comes to Your Business (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Investing, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Aug 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11435</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1889fd9a-f230-11ec-b8fd-8f2ed559a6d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing, Budgeting, Career</itunes:subtitle>
      <itunes:summary>Debt, Business, Investing, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Business, Investing, Budgeting, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Debt, Education, Retirement, Budgeting, Home Selling, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Aug 2020 20:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11434</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Education, Retirement, Budgeting, Home Selling, Business</itunes:subtitle>
      <itunes:summary>Debt, Education, Retirement, Budgeting, Home Selling, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Education, Retirement, Budgeting, Home Selling, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Don't Have to Go to a Private School to Build Wealth! (Hour 1)</title>
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      <description>Home Buying, Retirement, Debt, Investing, Education
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Aug 2020 19:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11433</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Home Buying, Retirement, Debt, Investing, Education</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt, Investing, Education
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Home Buying, Retirement, Debt, Investing, Education</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Use Spending to Cope With My Bipolar Disorder (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Aug 2020 21:35:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1991977a-f230-11ec-b8fd-d3b83bebd578/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Insurance, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Insurance, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm Getting Married Tomorrow - How Do We Combine Finances? (Hour 2)</title>
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      <description>Debt, Career, Education, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Aug 2020 20:35:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19f3c58a-f230-11ec-b8fd-33edddd60c1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Education, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Education, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Education, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Difference Between Enabling and Helping Someone (Hour 1)</title>
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      <description>Home Buying, Business, Investing, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Aug 2020 19:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1a4a12fa-f230-11ec-b8fd-a331a4218bb6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Business, Investing, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Business, Investing, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Business, Investing, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should We Take Out Debt for IVF Treatments? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Aug 2020 21:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1a9fe59a-f230-11ec-b8fd-e34a10ef92dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm Looking for a Fresh Start After a Breakup (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Career, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Aug 2020 20:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b0bfae6-f230-11ec-b8fd-932000941744/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Career, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Career, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>After You Hit Your Financial Goals, Find New Goals (Hour 1)</title>
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      <description>Debt, Business, Relationships, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Aug 2020 19:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Business, Relationships, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business, Relationships, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Business, Relationships, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Nobody Accidentally Wanders Into Wealth (Hour 3)</title>
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      <description>Budgeting, Career, Education, Debt, Home Buying, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
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      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1bc6d10e-f230-11ec-b8fd-6fb01e898e6e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Education, Debt, Home Buying, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Career, Education, Debt, Home Buying, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Budgeting, Career, Education, Debt, Home Buying, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Career, Debt, Savings, Home Buying, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 18 Aug 2020 20:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c1c98fa-f230-11ec-b8fd-6fa062f5400a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Savings, Home Buying, Retirement, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Savings, Home Buying, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Savings, Home Buying, Retirement, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Boyfriend Wants to Spend $525 on a Psychic! (Hour 1)</title>
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      <description>Debt, Relationships, Career, Home Buying, Business, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 18 Aug 2020 19:35:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Relationships, Career, Home Buying, Business, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Buying, Business, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Career, Home Buying, Business, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Take a Job Outside My Field? (Hour 3)</title>
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      <description>Home Buying, Savings, Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Aug 2020 21:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Home Buying, Savings, Insurance, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Insurance, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I've Got Truck Fever! (Hour 2)</title>
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      <description>Debt, Home Selling, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Aug 2020 20:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d429ef0-f230-11ec-b8fd-37558df4db78/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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      <title>How Do I Do the Baby Steps on Disability? (Hour 1)</title>
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      <description>Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Aug 2020 19:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d9e2126-f230-11ec-b8fd-e3d9b66d033f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Mom Is Forbidding Me From Tithing (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Aug 2020 21:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11420</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e058258-f230-11ec-b8fd-7b2d3f9ec0d6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Is My Job Offer Too Good to Be True? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Debt, Home Buying, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Aug 2020 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e5e7cb4-f230-11ec-b8fd-0f320411690e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Small Tweaks Can Lead to Big Gains (Hour 1)</title>
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      <description>Career, Debt, Business, Relationships, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Aug 2020 19:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1eb40396-f230-11ec-b8fd-d7a520c76ca4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Business, Relationships, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Business, Relationships, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Business, Relationships, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2504</itunes:duration>
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      <title>My Parents Want Me to Get a Credit Card (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Career, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Aug 2020 21:35:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f0e4356-f230-11ec-b8fd-b772202bf4fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Relationships, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Relationships, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>She Gamified Her Way Out of a House Payment! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Aug 2020 20:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f62a3b0-f230-11ec-b8fd-23c8c11162b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>DAVE RANT: Go to a College You Can Freaking Afford! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Aug 2020 19:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1fb78aec-f230-11ec-b8fd-bf532f9185a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>Can I Buy a Luxury Car? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Aug 2020 21:36:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/200e7744-f230-11ec-b8fd-1b584015b9af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Need Advice Guiding My Entrepreneurial Teenagers (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Aug 2020 20:35:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2066c3d6-f230-11ec-b8fd-17ba6315446c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Purpose of School Is NOT to "Discover" Yourself! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Aug 2020 19:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/20c2e814-f230-11ec-b8fd-b7eeb8c842ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2442</itunes:duration>
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      <title>I Have a Toxic Relationship With My Grandmother (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Retirement, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Aug 2020 21:35:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/214ac96e-f230-11ec-b8fd-abb8ab7ea4f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Retirement, Home Selling, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Retirement, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Retirement, Home Selling, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Parents Don't Get a Vote in Your Housing Situation! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Aug 2020 20:35:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/21cbab9c-f230-11ec-b8fd-3f79b10f0700/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2441</itunes:duration>
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      <title>What Are the Financial Implications of Getting Married? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Aug 2020 19:35:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2227c8c8-f230-11ec-b8fd-8b446c8f04af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Debt, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Feel Underappreciated at My Job (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Relationships, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Aug 2020 21:35:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22848626-f230-11ec-b8fd-5732d339aba1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How the Media Uses the Addictive Nature of Fear (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt, Investing, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Aug 2020 20:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22e200da-f230-11ec-b8fd-f77468c46472/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Investing, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Investing, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Investing, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Do I Need a Bigger Emergency Fund? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Career, Home Buying, Relationships, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Aug 2020 19:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/235126ea-f230-11ec-b8fd-2f4b702d651c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Home Buying, Relationships, Education, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Career, Home Buying, Relationships, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Home Buying, Relationships, Education, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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    <item>
      <title>Should I Change Jobs to Live Rent-Free? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Aug 2020 21:36:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23aa21c8-f230-11ec-b8fd-173438d2fa15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>My Spouse Is Using Credit Cards Behind My Back (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Aug 2020 20:35:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2405ba7e-f230-11ec-b8fd-bbd11c2c62c2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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      <title>Should I Sell Stocks to Pay Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Aug 2020 19:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/245cf690-f230-11ec-b8fd-8b8a12f818af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>How Do I Work for a Cause I Don't Believe In? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Aug 2020 21:35:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24b35a26-f230-11ec-b8fd-5f89a291659f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>They Paid Off $297,000 in 19 Months! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Aug 2020 20:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/250ac752-f230-11ec-b8fd-ff931b240105/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do I Find a Career After the Military? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Aug 2020 19:35:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25a7c502-f230-11ec-b8fd-53339b7ea9ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2503</itunes:duration>
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      <title>You Don't Have to Give Up on Your Dreams to Get Out of Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Aug 2020 21:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26453418-f230-11ec-b8fd-bb76e8cbfd6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Depth of a Relationship Determines the Impact You Can Have (Hour 2)</title>
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      <description>Education, Relationships, Debt, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Aug 2020 20:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2778eae6-f230-11ec-b8fd-5fddd323cbe3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Relationships, Debt, Retirement, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Relationships, Debt, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Relationships, Debt, Retirement, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Can I Buy a Motorcycle After My Girlfriend Dumped Me? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Aug 2020 19:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/289f6cec-f230-11ec-b8fd-f73b31f7b459/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Owe $94,000 to the IRS! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Education, Savings, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Aug 2020 21:35:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/290b1668-f230-11ec-b8fd-6f7a75e8a353/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Education, Savings, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Education, Savings, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Education, Savings, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>Believe in What's Possible, Not Just What Has Happened (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Aug 2020 20:35:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2972e41e-f230-11ec-b8fd-0fd05136e97d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>My Wife and I Are Stationed in Different Places (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Savings, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Aug 2020 19:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29d6c506-f230-11ec-b8fd-cf7800036106/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Savings, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Savings, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Savings, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>Can I Buy a Tesla Before I Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Savings, Relationships, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Aug 2020 21:35:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bdafcbe-f230-11ec-b8fd-fb31533b3e74/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Savings, Relationships, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Savings, Relationships, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Education, Savings, Relationships, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm Scared to Spend My Cash on a Car (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Aug 2020 20:35:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Can I Slow Down My Retirement Savings? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Aug 2020 19:35:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30e14f7e-f230-11ec-b8fd-bb1423de109e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Savings, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Break the Psychological Cycle of Debt in Your Life (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07312020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Career, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jul 2020 21:35:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11390</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/31c86daa-f230-11ec-b8fd-fb530798bcdd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Career, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Career, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Mom Took Out Debt in My Name! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07312020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Career, Home Buying
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jul 2020 20:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11389</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/323037aa-f230-11ec-b8fd-d37e0655f4d2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Career, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Career, Home Buying
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Debt, Relationships, Career, Home Buying</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Does Remote Learning Affect Mental Health? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07312020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Education, Business, Career, Debt, Investing
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jul 2020 19:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11388</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/329235cc-f230-11ec-b8fd-27a5846119a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Business, Career, Debt, Investing Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Education, Business, Career, Debt, Investing
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Relationships, Education, Business, Career, Debt, Investing</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Should I Ask for a Raise During the Pandemic? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-ask-for-a-raise-during-the-pandemic-hour-3</link>
      <description>Career, Debt, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jul 2020 21:54:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/330cfcbc-f230-11ec-b8fd-0f90e1c07c58/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Investing, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Investing, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Maximize Your Role in Order to Get Promoted (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jul 2020 20:34:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3364dc5c-f230-11ec-b8fd-97f3f6cb5796/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>Don't Let Company Loyalty Get in the Way of Your Family (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Debt, Career, Relationships, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jul 2020 19:44:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/33bdc772-f230-11ec-b8fd-7beedcaba2be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Career, Relationships, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Career, Relationships, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Career, Relationships, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Play the Credit Card Game! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jul 2020 21:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34da00f8-f230-11ec-b8fd-139d2ea37319/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do We Decide if We Want Kids or Not? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jul 2020 20:46:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35322a12-f230-11ec-b8fd-bfa3f03db8a8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>You Have Permission to Change Your Goals (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jul 2020 19:47:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35896a34-f230-11ec-b8fd-c7e5db79592f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2501</itunes:duration>
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      <title>Don't Participate in Your Family Drama! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Relationships, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jul 2020 21:35:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35deb160-f230-11ec-b8fd-2baec9d5f5bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Relationships, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Relationships, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Relationships, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>How Do I Get Past My Anger Issues? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Investing, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jul 2020 20:45:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3633ad64-f230-11ec-b8fd-5beb695add5b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>Perspective Gives You Awareness (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jul 2020 19:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/373a81a6-f230-11ec-b8fd-6f0c297df36f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Investing, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Investing, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Investing, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>Don't Underestimate the Power of Self-Discipline (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Insurance, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jul 2020 21:35:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a07b26e-f230-11ec-b8fd-53274433121b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Insurance, Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Insurance, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Insurance, Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>I'm Too Scared to Meet With My Clients (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Taxes, Investing, Retirement, Home Selling, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jul 2020 20:34:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3bd2eea6-f230-11ec-b8fd-8fe3520125d6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Investing, Retirement, Home Selling, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Investing, Retirement, Home Selling, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Taxes, Investing, Retirement, Home Selling, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>The Correlation Between the Enneagram and Money Habits (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jul 2020 19:44:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c7d4892-f230-11ec-b8fd-27786049376e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Over-Dramatize Your "Never Again" Moment (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jul 2020 21:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3cda9f74-f230-11ec-b8fd-b7eaf530d385/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My 35-Year-Old Brother Still Lives With Our Parents (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Savings, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jul 2020 20:34:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Relationships, Savings, Debt, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Savings, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Relationships, Savings, Debt, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Get a Second Opinion When Dealing With Your Car (Hour 1)</title>
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      <description>Savings, Debt, Education, Home Buying, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jul 2020 19:44:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d878d24-f230-11ec-b8fd-f7389240ca7b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Education, Home Buying, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Education, Home Buying, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Education, Home Buying, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Nudge Your Kid Into Leaving the Nest (Hour 3)</title>
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      <description>Retirement, Savings, Debt, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jul 2020 21:35:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3de079c0-f230-11ec-b8fd-676362a2c065/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt, Relationships, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt, Relationships, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Retirement, Savings, Debt, Relationships, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>My Wife Is Grief-Spending After a Miscarriage (Hour 2)</title>
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      <description>Relationships, Education, Debt, Career, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jul 2020 20:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3e38b6a8-f230-11ec-b8fd-7b4c22db18c0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Debt, Career, Home Selling, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Education, Debt, Career, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Debt, Career, Home Selling, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Sister Is Taking Advantage of Our Parents (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Insurance, Education, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jul 2020 19:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3e90a2fa-f230-11ec-b8fd-1f0507ec2211/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Insurance, Education, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Insurance, Education, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Insurance, Education, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>I Struggle With Confidently Pricing My Services (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jul 2020 21:35:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3ee79420-f230-11ec-b8fd-538370dc308d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm Having Boundary Issues With My In-Laws (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jul 2020 20:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f428628-f230-11ec-b8fd-43ae5c767c35/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Husband Wants to Buy a $5,000 Gun (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Retirement, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jul 2020 19:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f9bb18a-f230-11ec-b8fd-b3fdf4a9e479/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Retirement, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Retirement, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Retirement, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Girlfriend Wants to Buy Me Out of Our House (Hour 3)</title>
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      <description>Debt, Business, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jul 2020 21:45:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/401caf6a-f230-11ec-b8fd-1f10af47e1e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Business, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: Don't Be Shamed by People Who Aren't Investing! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jul 2020 20:34:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Investing, Debt, Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do I Keep My Income Steady? (Hour 1)</title>
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      <description>Retirement, Education, Career, Home Selling, Business, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jul 2020 19:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/40d1f99c-f230-11ec-b8fd-efe1ddfb0de8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Education, Career, Home Selling, Business, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Education, Career, Home Selling, Business, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Retirement, Education, Career, Home Selling, Business, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Fix an Income and Outgo Problem (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jul 2020 21:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Retirement, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Gift-Giving in My Family Is Giving Me Anxiety (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Relationships, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jul 2020 20:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Business, Relationships, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Relationships, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Business, Relationships, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Talk to Your Boss About Your Salary (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Career, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jul 2020 19:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Relationships, Debt, Career, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Career, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Relationships, Debt, Career, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 17 Jul 2020 22:16:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Retirement, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
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      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Retirement, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My In-Law Told Me I'm a Bad Parent (Hour 1)</title>
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      <description>Relationships, Debt, Home Selling, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 17 Jul 2020 19:34:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/435c80ec-f230-11ec-b8fd-df51ba5233f8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Home Selling, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Home Selling, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My House Is Paid Off but I'm Still Dealing With Anxiety (Hour 3)</title>
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      <description>Education, Debt, Savings, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Jul 2020 21:58:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:image href="https://megaphone.imgix.net/podcasts/43b64942-f230-11ec-b8fd-abfecc40753c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Debt, Savings, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Debt, Savings, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Ex-Husband Wants to Stop Paying Alimony (Hour 2)</title>
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      <description>Relationships, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Jul 2020 20:40:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Relationships, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>An Expectation You Don't Communicate Is Called a Thought (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Jul 2020 19:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Relationships, Home Buying, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Take Care of College Before Worrying About Retirement (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Career, Debt, Business, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Jul 2020 21:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44ce9cd0-f230-11ec-b8fd-7f0cf13f0ff8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Career, Debt, Business, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Career, Debt, Business, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Insurance, Career, Debt, Business, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Still Have Credit Card Accounts With My Ex-Husband (Hour 2)</title>
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      <description>Investing, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Jul 2020 20:35:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/452762e8-f230-11ec-b8fd-0b748f1a4848/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Investing, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Just Spent 17 Years in Jail and Need Financial Advice (Hour 1)</title>
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      <description>Relationships, Debt, Investing, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Jul 2020 19:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4580d0a8-f230-11ec-b8fd-0b743b692a6d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Investing, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Investing, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Investing, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>Hire Someone With a Purpose, Not Just a Pulse (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/hire-someone-with-a-purpose-not-just-a-pulse-hour-3</link>
      <description>Business, Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Jul 2020 21:52:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45d984dc-f230-11ec-b8fd-237491637758/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Education, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Education, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>You Get to Choose Who Hurts Your Feelings (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Jul 2020 21:04:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4648ea0c-f230-11ec-b8fd-5b455bb1845c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Baby Steps Will Give You Economic Immunity (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Jul 2020 19:33:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46b640c0-f230-11ec-b8fd-6fa888e41de1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Such Thing as a "Forever Home" (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Home Selling, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Jul 2020 21:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/470c0172-f230-11ec-b8fd-2bcf1d450343/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Selling, Home Buying, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Selling, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Selling, Home Buying, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The More Money You Have, the More Good You Can Do (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Jul 2020 20:44:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47635076-f230-11ec-b8fd-bb0cae078952/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Chase Returns With Your Emergency Fund (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Home Selling, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Jul 2020 19:33:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47cd926a-f230-11ec-b8fd-0bb3956dd52e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Selling, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Selling, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Selling, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2475</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm 16 and My Mom Is Asking Me for Money (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/im-16-and-my-mom-is-asking-me-for-money-hour-3</link>
      <description>Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jul 2020 21:52:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4825b44a-f230-11ec-b8fd-d3671ae23ed6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Regain Trust in Yourself After Losing Your Job (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jul 2020 20:44:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/487ea6a4-f230-11ec-b8fd-a3d5be0d0287/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Relationships, Debt, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>What's the Next Step When Starting My Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Retirement, Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jul 2020 19:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48d7f308-f230-11ec-b8fd-13fc856d298a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Retirement, Business, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Retirement, Business, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Investing, Retirement, Business, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Husband Used Our Emergency Fund for Drug Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jul 2020 21:36:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/492fcd9e-f230-11ec-b8fd-bf5778644036/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Education, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Education, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Budgeting, Education, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Gratitude Turns What You Have Into Enough (Hour 2)</title>
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      <description>Retirement, Savings, Business, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jul 2020 20:36:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Retirement, Savings, Business, Debt, Career, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Business, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Does the 25% Income Rule Work With Roommates? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Home Buying, Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jul 2020 19:33:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49ef6424-f230-11ec-b8fd-1b58f24d4380/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Home Buying, Relationships, Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Home Buying, Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Owing Your Parents Money Is a Bad Idea (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jul 2020 21:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a473776-f230-11ec-b8fd-93e83de629ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Relationships, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Relationships, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Your Identity Is Not in Your Car! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jul 2020 20:33:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4aa0a892-f230-11ec-b8fd-43ebfaf23982/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>Education Is a Better Investment Than Real Estate (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Career, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jul 2020 19:32:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4af81d34-f230-11ec-b8fd-cb3604bf4387/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Career, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Investing, Career, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Career, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Found Out My Mom Was Cheating - What Do I Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jul 2020 21:37:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b5172ee-f230-11ec-b8fd-9b31f6c06c82/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Antidote to Fear Is Action (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Business, Taxes, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jul 2020 20:33:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ba91c1a-f230-11ec-b8fd-9f3d2347824f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Business, Taxes, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Business, Taxes, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Business, Taxes, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>All Relationships Are Either Growing or Dying (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt, Insurance, Budgeting, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jul 2020 19:32:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c47d2ba-f230-11ec-b8fd-53ef667d9750/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Insurance, Budgeting, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Insurance, Budgeting, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Insurance, Budgeting, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Your Life Is a Film Strip, Not a Snapshot (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Investing, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jul 2020 21:37:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ca07bfe-f230-11ec-b8fd-8797b478ca04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Investing, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Investing, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Investing, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Should I Sell My Car to Help My Mom? (Hour 2)</title>
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      <description>Home Buying, Retirement, Debt, Investing, Budgeting, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jul 2020 20:33:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cfa56f6-f230-11ec-b8fd-db969c1f5235/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt, Investing, Budgeting, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt, Investing, Budgeting, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Debt, Investing, Budgeting, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>The Difference Between Hoping and Planning (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jul 2020 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4d531746-f230-11ec-b8fd-2b27d1cf05e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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    <item>
      <title>What Do I Do With Extra Income? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/what-do-i-do-with-extra-income-hour-3</link>
      <description>Career, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jul 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4dab5366-f230-11ec-b8fd-5f672e89fdef/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2465</itunes:duration>
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      <title>DAVE RANT: Don't Rationalize Buying a House You Can't Afford! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/dave-rant-dont-rationalize-buying-a-house-you-cant-afford-hour-2</link>
      <description>Career, Debt, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jul 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51905d14-f230-11ec-b8fd-17738d389f10/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2465</itunes:duration>
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      <title>A Lawn Mower Upgrade Is Not Called an Emergency! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/a-lawn-mower-upgrade-is-not-called-an-emergency-hour-1</link>
      <description>Career, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jul 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51f8f194-f230-11ec-b8fd-f3f25d5cac66/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Similarities Between Bankruptcy and Divorce (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jul 2020 21:37:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/525506a0-f230-11ec-b8fd-639c460f54ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: Business Requires a Predictable Environment (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jul 2020 20:33:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52ad7c04-f230-11ec-b8fd-3f3611bac9fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>You Don't Get a Pass on Math When You're a Farmer! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jul 2020 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5305f82a-f230-11ec-b8fd-8beb2ff96be0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>How to "Fight Fair" as a Couple When You Disagree (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Jul 2020 21:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/535e8404-f230-11ec-b8fd-576f52996d91/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt</itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2439</itunes:duration>
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    <item>
      <title>How Do We Combat Generational Poverty? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Retirement, Investing, Relationships
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 
  </description>
      <pubDate>Wed, 01 Jul 2020 20:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53b6e73e-f230-11ec-b8fd-13f861c7f890/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Retirement, Investing, Relationships</itunes:subtitle>
      <itunes:summary>Business, Retirement, Investing, Relationships
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 
  </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Business, Retirement, Investing, Relationships</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>  ]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Put Brakes in Your Life When You Have a Spending Problem (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Career
  
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Jul 2020 19:32:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/540fb896-f230-11ec-b8fd-0f44340fb7a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Career</itunes:subtitle>
      <itunes:summary>Relationships, Career
  
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Relationships, Career</p> <p> </p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>Don't Compare Yourself to Everybody Else (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Education, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 30 Jun 2020 21:37:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5469a018-f230-11ec-b8fd-47080be0254e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Education, Debt, Career, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Education, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Education, Debt, Career, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
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    <item>
      <title>My Husband Got Laid Off After 47 Years in the Same Company (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Investing, Retirement, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 30 Jun 2020 20:33:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/54c168fc-f230-11ec-b8fd-772b4eeff2e8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Investing, Retirement, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Investing, Retirement, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Investing, Retirement, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
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    <item>
      <title>Dave's Philosophy on Money and Happiness (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 30 Jun 2020 19:32:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/551a86b2-f230-11ec-b8fd-cb42219d3745/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2568</itunes:duration>
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      <title>Should I Give My Son Money to Buy a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Education, Home Buying, Debt, Taxes, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jun 2020 21:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5583d8f6-f230-11ec-b8fd-4b5db05c96bf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Home Buying, Debt, Taxes, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Education, Home Buying, Debt, Taxes, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Home Buying, Debt, Taxes, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2563</itunes:duration>
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      <title>The Shortest Distance to Wealth Is NOT Through Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Education, Budgeting, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jun 2020 20:33:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/55dcacba-f230-11ec-b8fd-b7db1b4dcb10/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Budgeting, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Budgeting, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Budgeting, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
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      <title>DAVE RANT: Quit Doing Stuff That Gives You Mediocre Results! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Retirement, Home Buying, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jun 2020 19:32:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56393e94-f230-11ec-b8fd-4780fe3ab003/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement, Home Buying, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement, Home Buying, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Retirement, Home Buying, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Find a Thoroughbred in a Sea of Donkeys (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jun 2020 21:38:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5690cd80-f230-11ec-b8fd-cff15dbae0da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Investing, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Should I Handle My Car Repairs? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jun 2020 20:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56e7df3a-f230-11ec-b8fd-f7d57ab91d88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The 3-Step Process to Overcoming Fear (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Education, Debt, Retirement, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jun 2020 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/574d77f0-f230-11ec-b8fd-7b2bbb2e8a24/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Education, Debt, Retirement, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Education, Debt, Retirement, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Education, Debt, Retirement, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Hid $161,000 in Cash in Their House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jun 2020 21:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57a63570-f230-11ec-b8fd-ffdf13d81d13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Won $800,000 on a Game Show!  (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jun 2020 20:33:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57fdd2e4-f230-11ec-b8fd-63171a190bce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>They Went From "Ish" to Intense! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Career, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jun 2020 19:32:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5855c8fa-f230-11ec-b8fd-bfda3b17e2af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Career, Home Selling, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Career, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Career, Home Selling, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2567</itunes:duration>
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    <item>
      <title>I Think My Friend Is Taking Advantage of Me (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Retirement, Budgeting, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jun 2020 21:37:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/58acfd0a-f230-11ec-b8fd-0748c7a42a9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Retirement, Budgeting, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Retirement, Budgeting, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Retirement, Budgeting, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Wait on External Forces to Fix Your Life! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Relationships, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jun 2020 20:38:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5907e044-f230-11ec-b8fd-cb19bc581276/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Relationships, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Relationships, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Relationships, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Get Dumb When You Get Desperate (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Education, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jun 2020 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/596119de-f230-11ec-b8fd-7b38a1850213/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Education, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Education, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Wants to Finance a Car (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Business, Taxes, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jun 2020 21:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/59b79480-f230-11ec-b8fd-739fd9c0dedb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Business, Taxes, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Business, Taxes, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Business, Taxes, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Spread Yourself So Thin That You're an Inch Deep (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Savings, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jun 2020 20:38:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a13c6a6-f230-11ec-b8fd-0baced613297/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Savings, Education, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Savings, Education, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Savings, Education, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2565</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Passive Leader Is an Oxymoron! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jun 2020 19:32:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a6e265a-f230-11ec-b8fd-bf65812b32cf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Got Fired for Having Health Issues and Need Help (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Career, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jun 2020 21:38:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ac6a8ca-f230-11ec-b8fd-0f15d000eb89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
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    <item>
      <title>You Don't Get to Negotiate With the Law of Gravity (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jun 2020 20:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b23ba2e-f230-11ec-b8fd-e3ebcc64a54a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>DAVE RANT: It's Not About Me! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jun 2020 19:32:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b7d72e4-f230-11ec-b8fd-f30f5d7f8cde/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Home Selling, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Home Selling, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2566</itunes:duration>
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    <item>
      <title>Should I Quit My 6-Figure Job to Teach? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Investing, Retirement, Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jun 2020 21:37:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c336252-f230-11ec-b8fd-13c89a7edfcc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Investing, Retirement, Budgeting, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Investing, Retirement, Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Investing, Retirement, Budgeting, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
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      <title>Focus on the Payoff, Not What You Have to Sacrifice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Investing, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jun 2020 20:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c8ec3a4-f230-11ec-b8fd-1f215fa7a94e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2525</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Pursue Your Dream, but Don't Create a Nightmare (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jun 2020 19:32:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5ce7488a-f230-11ec-b8fd-83ebcd54fb50/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Carry Another Person's Baggage Around (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jun 2020 21:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d403184-f230-11ec-b8fd-bb2b2a2022bf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Husband Is Divorcing Me Because He Says I'm Not Fun (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jun 2020 20:33:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5da36538-f230-11ec-b8fd-5761b8e2206d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>NEVER Co-Sign for Anyone EVER (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jun 2020 19:32:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5dfb2296-f230-11ec-b8fd-bfa77e2df2d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Find a Job During the Pandemic? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Business, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jun 2020 21:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e5be568-f230-11ec-b8fd-77a39a3bb6c3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Business, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Business, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Business, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
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    <item>
      <title>What It Means to Submit to the Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jun 2020 20:38:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5eb547b6-f230-11ec-b8fd-2706bb0843b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Playing the Victim Role! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Relationships, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jun 2020 19:32:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5f518ebe-f230-11ec-b8fd-43ce322403ec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>NOW Is the Time to Take Control of Your Finances (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jun 2020 21:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5faaf99a-f230-11ec-b8fd-9f4c9fa4efde/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Adjust to Life After Beans and Rice? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Taxes, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jun 2020 20:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/600222d8-f230-11ec-b8fd-1b61e0031d86/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Taxes, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Taxes, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Taxes, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2530</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Success Shuts People Up (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jun 2020 19:32:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/605c2b84-f230-11ec-b8fd-2b787eea3b8e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's Your "Never Again" Moment? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Investing, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jun 2020 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/60b58490-f230-11ec-b8fd-3f27d707e61f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Investing, Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Investing, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Investing, Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Leave Law Enforcement? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jun 2020 20:38:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/610ff92a-f230-11ec-b8fd-6fa2c8f1fa38/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where You Are Right Now Isn't Where You Have to End Up (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Business, Investing, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jun 2020 19:32:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/616b5f36-f230-11ec-b8fd-130069d2b535/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Investing, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business, Investing, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Investing, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Consistency Over Time Is How You Get Out of Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jun 2020 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61df7790-f230-11ec-b8fd-0b7ba45f4847/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Look for Validation From Other People (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Relationships, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jun 2020 20:32:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62375eec-f230-11ec-b8fd-2f4cf45d0e05/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Relationships, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Relationships, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Relationships, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2380</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Skip Your First Feeling When You're Tempted to Overspend (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jun 2020 19:32:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62a6ddbc-f230-11ec-b8fd-bf6f640f0711/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Despise Humble Beginnings (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jun 2020 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6302d0f4-f230-11ec-b8fd-ab88f2749276/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a Vacation Home? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Relationships, Career, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jun 2020 20:32:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/635ca430-f230-11ec-b8fd-930ad1caa570/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Relationships, Career, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Relationships, Career, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Relationships, Career, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Use a Rifle Instead of a Shotgun Approach to Finding Clients (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jun 2020 19:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63b66826-f230-11ec-b8fd-7f298d7b55b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Relationships, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Relationships, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Should I Hire an Employee? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jun 2020 21:37:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6417d354-f230-11ec-b8fd-b768df4089fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Ex-Husband Will Only Remarry Me if I Buy Him a Car (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jun 2020 20:32:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64737556-f230-11ec-b8fd-af10dc83431b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
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      <title>A Debt Collector Is Calling My Wife - What Do I Do? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jun 2020 19:32:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64ccfba8-f230-11ec-b8fd-83add642aa9e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I'm 13 and Want to Start a Business (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Business, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jun 2020 21:37:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65281bf0-f230-11ec-b8fd-cf5f37f23c79/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Business, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Business, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Business, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Hustle Causes You to Be Successful - Not a Degree! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Business, Education, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jun 2020 20:37:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65802cfa-f230-11ec-b8fd-535ec455c1d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Business, Education, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Business, Education, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Business, Education, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Leave My Job for a $190,000 Raise? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career, Education, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jun 2020 19:32:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65daad38-f230-11ec-b8fd-239eb64dce7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Education, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career, Education, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Education, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Use Mutual Funds to Pay Down My Mortgage? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Relationships, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jun 2020 21:37:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/663462c4-f230-11ec-b8fd-9bd99e00e043/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Relationships, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Relationships, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Relationships, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Don't Need to Be Debt-Free to Get Married! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Selling, Debt, Budgeting, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jun 2020 20:32:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/668e5374-f230-11ec-b8fd-4f98313d72ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Budgeting, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Budgeting, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Budgeting, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2526</itunes:duration>
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      <title>The Time to Be Proactive About Your Career Is NOW (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Investing, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jun 2020 19:32:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66e64a34-f230-11ec-b8fd-ab2004356b90/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Investing, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Investing, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Investing, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2564</itunes:duration>
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      <title>What's the Best Way to Use My Income? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Education, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jun 2020 21:37:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/673e5cec-f230-11ec-b8fd-bbd1f9743307/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Education, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Education, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Education, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2558</itunes:duration>
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      <title>Don't Stay in a Whole Life Policy! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Education, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jun 2020 20:38:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/67b52ba6-f230-11ec-b8fd-c3ba0da2f2ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Education, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Education, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Education, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2554</itunes:duration>
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      <title>My Mom Is Spending My Student Loan Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Insurance, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jun 2020 19:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/680ecfbc-f230-11ec-b8fd-0fe93681439e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Insurance, Business  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance, Business
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Insurance, Business</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2534</itunes:duration>
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      <title>Advice for When You're Feeling Overwhelmed (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Business, Career, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jun 2020 21:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/686a33ac-f230-11ec-b8fd-f3308dcf66c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Business, Career, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Business, Career, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Business, Career, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
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    <item>
      <title>Advice on Finding Your Calling (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jun 2020 20:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68c2038e-f230-11ec-b8fd-5b205b07fc9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Navigate Boundary Issues With an In-law (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jun 2020 19:31:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6917e790-f230-11ec-b8fd-9b308a8c50b1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2562</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Quit My 6-Figure Job to Get a MBA? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Education, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jun 2020 21:37:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/696cf9e2-f230-11ec-b8fd-93eea5142227/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Education, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Education, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Education, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Once You Have Financial Freedom, You Never Look Back (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Business, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jun 2020 20:38:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/69c2cc14-f230-11ec-b8fd-571fa9efea71/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Business, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Business, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Business, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Live Under the Pressure of What MIGHT Happen (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Retirement, Relationships, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jun 2020 19:31:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a1929e2-f230-11ec-b8fd-c74292032863/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Relationships, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Relationships, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Relationships, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Confidence and Competence Are Tied Together (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jun 2020 21:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a704952-f230-11ec-b8fd-87a9a3c5c029/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>How to Budget Your Time Within Your Business (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Business, Debt, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jun 2020 20:38:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6acd7be0-f230-11ec-b8fd-2b0de3d6237e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Business, Debt, Taxes, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Business, Debt, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Business, Debt, Taxes, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
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    <item>
      <title>How to Navigate Starting a Business With Your Spouse (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jun 2020 19:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b31968e-f230-11ec-b8fd-cfb2cd84b11e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
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      <title>Comparison Will Destroy Your Contentment (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Relationships, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jun 2020 21:37:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b88e254-f230-11ec-b8fd-e3403759b09e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Relationships, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Relationships, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Relationships, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2528</itunes:duration>
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    <item>
      <title>You Won't Win if You Don't Have a Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jun 2020 20:38:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6be246a0-f230-11ec-b8fd-aff4167c62db/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Special Theme Hour: Conversations About the Evils of Racism (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Special Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jun 2020 19:31:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6c40d58a-f230-11ec-b8fd-2b02521de6de/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Special Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Special Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Special Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Wait 10 Years to Climb Your Mountain of Debt!  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 29 May 2020 21:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6c9cd3c6-f230-11ec-b8fd-5f48e0bb0fb3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
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    <item>
      <title>YOU Are the Key to Getting Out of Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 29 May 2020 20:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6cf5f6fe-f230-11ec-b8fd-730df03ed98a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2525</itunes:duration>
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    <item>
      <title>Build a Solid Present So You'll Have a Better Future (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Investing, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 29 May 2020 19:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6d4dcc9e-f230-11ec-b8fd-83f57efe25a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Investing, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Investing, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Investing, Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2564</itunes:duration>
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    <item>
      <title>Share but Don't Scare When Explaining Things to Your Kids (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Investing, Budgeting, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 28 May 2020 21:37:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6da74c9c-f230-11ec-b8fd-47e31dd8a6e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Investing, Budgeting, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Investing, Budgeting, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Investing, Budgeting, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2556</itunes:duration>
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      <title>You Are Not the Person You Were Yesterday (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Career, Debt, Relationships, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 28 May 2020 20:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e001b24-f230-11ec-b8fd-0bfb0c7479bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Debt, Relationships, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Career, Debt, Relationships, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Debt, Relationships, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>It's Important to Listen to Yourself (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 28 May 2020 19:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e5cc022-f230-11ec-b8fd-d7ac4875d3e1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2533</itunes:duration>
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    <item>
      <title>Don't Be Sloppy With Your Generosity (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Savings, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 27 May 2020 21:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6ebe0bca-f230-11ec-b8fd-93cda77a5e94/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Relationships, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Relationships, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Savings, Relationships, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
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    <item>
      <title>Develop a Taste for Living in Reality (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 27 May 2020 20:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6f1756d0-f230-11ec-b8fd-97abfeef9083/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>Dave's Thoughts on the Prosperity Gospel (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 27 May 2020 19:31:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7010e98e-f230-11ec-b8fd-0b2ed7903e0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Witnessed Timeshare Company Scum From the Inside (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Timeshares, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 26 May 2020 21:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/70676322-f230-11ec-b8fd-ab58627e74ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshares, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Timeshares, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshares, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Teach Kids to Drive by Putting Them in a Wreck (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 26 May 2020 20:37:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/70bfb108-f230-11ec-b8fd-c77fffab2157/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Savings, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Savings, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2530</itunes:duration>
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    <item>
      <title>Don't Treat a Credit Score Like a Pet! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Education, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 26 May 2020 19:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7116a7b0-f230-11ec-b8fd-c38650abf978/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Education, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Education, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Education, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2563</itunes:duration>
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    <item>
      <title>Know the Difference Between a Want and a Need (Hour 3) </title>
      <link>http://draudioarchives.libsyn.com/know-the-difference-between-a-want-and-a-need-hour-3</link>
      <description>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 25 May 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11243</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/716b9c34-f230-11ec-b8fd-ab0050505342/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2584</itunes:duration>
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    <item>
      <title>DAVE RANT: What Would Happen if Nobody Borrowed Money? (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/dave-rant-what-would-happen-if-nobody-borrowed-money-hour-2</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 25 May 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11242</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/71c1184e-f230-11ec-b8fd-9f8abf892e43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2524</itunes:duration>
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    <item>
      <title>Real Estate Ownership Isn't Always a Good Idea! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/real-estate-ownership-isnt-always-a-good-idea-hour-1</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 25 May 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11241</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/72165322-f230-11ec-b8fd-a7b018074dae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2524</itunes:duration>
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    <item>
      <title>A Degree Is Not a Golden Ticket to Success! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling, Education
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </description>
      <pubDate>Fri, 22 May 2020 21:37:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11240</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7278c4d0-f230-11ec-b8fd-47ff36d0fc56/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Education Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network:   </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Education
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Education</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Straight Talk On Life and Money for Millenials and Beyond (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, John Delony, Debt, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 22 May 2020 20:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11239</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/72d0471e-f230-11ec-b8fd-1b882e0337e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, John Delony, Debt, Relationships Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Chris Hogan, John Delony, Debt, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, John Delony, Debt, Relationships</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
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    <item>
      <title>Single Moms: What To Do When Your Partner Leaves You? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Anython ONeal, John Delony, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 22 May 2020 19:35:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11238</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/732847a2-f230-11ec-b8fd-03a50db1d43a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anython ONeal, John Delony, Relationships Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Anython ONeal, John Delony, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anython ONeal, John Delony, Relationships</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Be Honest Without Being Gory (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Education, Home Buying, Relationships, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 May 2020 21:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/737fd22e-f230-11ec-b8fd-4fae780e6551/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Home Buying, Relationships, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Home Buying, Relationships, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Home Buying, Relationships, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>My Husband Gave Me an Ultimatum (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Education, Career, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 May 2020 20:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/73d59fc4-f230-11ec-b8fd-ebcbde96a24e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Education, Career, Relationships, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Education, Career, Relationships, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Education, Career, Relationships, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
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    <item>
      <title>Carrying Shame Is Like Carrying a Cinder Block (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 May 2020 19:35:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7441e896-f230-11ec-b8fd-0fc6f2369a22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
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    <item>
      <title>How Do I Grow My Business? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Retirement, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 May 2020 21:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11234</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/749f3924-f230-11ec-b8fd-1f73172b4696/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Retirement, Relationships</itunes:subtitle>
      <itunes:summary>Business, Retirement, Relationships
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Retirement, Relationships</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Live Within Self-Imposed Limitations (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Budgeting, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 May 2020 20:37:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11233</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/74fd117a-f230-11ec-b8fd-a71f248cf442/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Budgeting, Debt, Retirement</itunes:subtitle>
      <itunes:summary>Business, Budgeting, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Budgeting, Debt, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Take Care of Necessities Before Starting a Business (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 20 May 2020 19:35:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11232</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/755394e6-f230-11ec-b8fd-5b8311cff68a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Home Buying</itunes:subtitle>
      <itunes:summary>Business, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2531</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Look for Another Job? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 May 2020 21:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/75a8adbe-f230-11ec-b8fd-8f1c6d374baa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If There's a Wake-Up Call, Pick Up the Phone (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 May 2020 20:38:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/75fdde92-f230-11ec-b8fd-53f1e9d3ca5a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Wait to Work Until Unemployment Benefits Backfire! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 May 2020 19:35:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/76533d42-f230-11ec-b8fd-33a47b2f24f0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Wealthy People Don't Do YOLO! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 May 2020 21:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/76afbfe0-f230-11ec-b8fd-2731e5e19d2a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pursue Child Support? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 May 2020 20:32:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/77065f8a-f230-11ec-b8fd-cfa902c3c6a1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Decide to Never Again Go Into Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 May 2020 19:30:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/775c7a28-f230-11ec-b8fd-d3816cb42110/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2565</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Inherited $2.8 Million - What Do I Do? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 May 2020 21:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/77b33908-f230-11ec-b8fd-83bd4ded693c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time to Dream Big! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 May 2020 20:37:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7808fe74-f230-11ec-b8fd-5b8c806b990e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Have to Be in Debt to Learn Lessons About Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 May 2020 19:35:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78606dc6-f230-11ec-b8fd-1375962ceb67/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Past Shouldn't Affect Your Hope for the Future (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 May 2020 21:38:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78b89f00-f230-11ec-b8fd-630613dd5fdd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You Put Pressure on a Coal, It Becomes a Diamond (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 May 2020 20:37:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/790d9a00-f230-11ec-b8fd-fb2a6cd4be0c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off Over $1 Million of Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 May 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7963bbba-f230-11ec-b8fd-c35e4ac1772b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>When Life Returns, It's Going to Be Better (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 May 2020 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79babea6-f230-11ec-b8fd-5379265165e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2499</itunes:duration>
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      <title>Don't Fire a Cannonball That Hasn't Been Calibrated (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 May 2020 20:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a11b3e6-f230-11ec-b8fd-637805ec05bb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2526</itunes:duration>
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      <title>DAVE RANT: There's No Patriotic Obligation to Buy Stuff!  (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 May 2020 19:35:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a67a850-f230-11ec-b8fd-4fba585a1972/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Become Who You Hang Around With (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 May 2020 21:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7abdda04-f230-11ec-b8fd-4f29546f9e75/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>What Do I Do in Baby Step 7? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Career, Taxes, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 May 2020 20:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b1440f6-f230-11ec-b8fd-07186190e689/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Taxes, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Career, Taxes, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Career, Taxes, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>It Takes a Lot of Money to Support YOLO (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 May 2020 19:36:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b6afe46-f230-11ec-b8fd-73c64578cded/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2533</itunes:duration>
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      <title>To Make More on Investments, You Have to Risk More (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 May 2020 21:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7bc158cc-f230-11ec-b8fd-ebee5c67a8d7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2527</itunes:duration>
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      <title>There's No Such Thing As the Mortgage Fairy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 May 2020 20:38:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c1b1722-f230-11ec-b8fd-ebb620176516/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Career, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Career, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Career, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>Need Outweighs Opinion Every Time (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 May 2020 19:36:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c70cbcc-f230-11ec-b8fd-c7bf695f1b1c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2504</itunes:duration>
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      <title>Leaders Are Taught, Not Born (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 May 2020 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7cc69f0c-f230-11ec-b8fd-ff98d041297c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2498</itunes:duration>
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      <title>When Should I Take Social Security? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 May 2020 20:37:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d1bcc16-f230-11ec-b8fd-771911ebb60f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2525</itunes:duration>
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    <item>
      <title>Past Performance Is How You Predict Future Results (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement, Taxes, Home Buying, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 May 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d7b555a-f230-11ec-b8fd-c3268e5f4ab8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Taxes, Home Buying, Career, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Taxes, Home Buying, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Taxes, Home Buying, Career, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2564</itunes:duration>
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    <item>
      <title>Give Yourself Permission to Be Uncomfortable (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 May 2020 21:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7dd33482-f230-11ec-b8fd-bb845224a0d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Career, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Career, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Career, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2556</itunes:duration>
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    <item>
      <title>Don't Answer a Question That Hasn't Been Asked (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 May 2020 20:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7e68de92-f230-11ec-b8fd-272d7d4806b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Free School Is NOT Worth Emotional Abuse From a Parent (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 May 2020 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ebe32b6-f230-11ec-b8fd-572e73c7d1c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
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    <item>
      <title>How a Sunk Cost Analysis Works (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Retirement, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 May 2020 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f1f6bda-f230-11ec-b8fd-cf72bc403b73/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Retirement, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Retirement, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Retirement, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
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    <item>
      <title>Don't Keep Putting Money Into a Pocket With a Hole in It (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 May 2020 20:37:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f75e744-f230-11ec-b8fd-834d7e349009/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Budgeting, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Budgeting, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Run From Your Debt - Run at It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 May 2020 19:35:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7fcc3fe0-f230-11ec-b8fd-5f7e200b001b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Always Cut Deeper to Get Out of Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 May 2020 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8022a696-f230-11ec-b8fd-77cd329af522/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Just Move Debt - Get Rid of It! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 May 2020 20:37:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8079a05e-f230-11ec-b8fd-0375002197cc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The 3 Rules of Business (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
   Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 May 2020 19:32:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80cfc862-f230-11ec-b8fd-dfd112849399/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:    Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
   Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Daniel Tardy, EntreLeadership Theme Hour</p> <p> Tools to get you started: </p>  <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Would Be a Good Side Hustle? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Rachel Cruze, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 May 2020 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81265d58-f230-11ec-b8fd-ff162884072e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Debt, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Debt, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>An Inheritance Has Made Us Millionaires (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Home Buying, Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 May 2020 20:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/817b664a-f230-11ec-b8fd-af371c700393/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Buying, Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Buying, Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Home Buying, Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>An Explanation of How a 401(k) Works (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 May 2020 19:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81d3ac4c-f230-11ec-b8fd-17736d578209/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Start an Encore Career? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 May 2020 21:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8228e5ea-f230-11ec-b8fd-973d06797f28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Together We'll Get Through This! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Steven Curtis Chapman, Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 May 2020 20:37:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/827fd49a-f230-11ec-b8fd-4b850af62dc0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Steven Curtis Chapman, Ken Coleman, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Steven Curtis Chapman, Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Steven Curtis Chapman, Ken Coleman, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
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    <item>
      <title>The Best Option Usually Isn't the Easiest One (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 May 2020 19:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82d62eee-f230-11ec-b8fd-f36a52e42494/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
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    <item>
      <title>I Feel Guilty About Getting an Inheritance (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Savings, Debt, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Apr 2020 21:37:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/832bb7a6-f230-11ec-b8fd-f3a8232dc5e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Savings, Debt, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Savings, Debt, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Savings, Debt, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>NEVER Finance Solar Panels! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Debt, Taxes, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Apr 2020 20:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83817970-f230-11ec-b8fd-2790a23bd154/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Taxes, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Taxes, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Debt, Taxes, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Explore Your Options When Searching for a College (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Anthony ONeal, Debt, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Apr 2020 19:32:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83d8de72-f230-11ec-b8fd-23a1931a9796/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Savings, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Debt, Savings, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2592</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Private College Is NOT Worth 7 Times What a State School Costs (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Apr 2020 21:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/843116b4-f230-11ec-b8fd-b33761bc99da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Jump off the Investment Roller Coaster! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Guillebeau, Savings, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Apr 2020 20:37:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8485f8aa-f230-11ec-b8fd-537f5d62a0ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Guillebeau, Savings, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Guillebeau, Savings, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Guillebeau, Savings, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Forbearance Isn't a Blessing - It's a Form of Denial (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Career, Home Buying, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Apr 2020 19:32:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/84e66f46-f230-11ec-b8fd-93342ae3d689/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Career, Home Buying, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Career, Home Buying, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Career, Home Buying, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Let Go of Resentment in a Marriage (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Retirement, Taxes
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 28 Apr 2020 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11186</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/853bbc3a-f230-11ec-b8fd-537b8a59e061/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Retirement, Taxes</itunes:subtitle>
      <itunes:summary>Dr. John Delony, Retirement, Taxes
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Retirement, Taxes</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>Debt Does Not Disqualify You From a Relationship (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 28 Apr 2020 20:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11185</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8591e7fe-f230-11ec-b8fd-9b4d321fb70d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt</itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The SBA Is the DMV of Small Business! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 28 Apr 2020 19:33:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11184</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85e91e02-f230-11ec-b8fd-67f3404dffe7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Career</itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2592</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Putting an Inheritance in the Wrong Place Is Financial Suicide! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Apr 2020 21:37:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8641a432-f230-11ec-b8fd-1bf5022bc17b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
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    <item>
      <title>Your Spending Habits Are a Reflection of Your Values (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Debt, Home Buying, Budgeting, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Apr 2020 20:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/869990e8-f230-11ec-b8fd-bfcb42fe53a2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Debt, Home Buying, Budgeting, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Debt, Home Buying, Budgeting, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Debt, Home Buying, Budgeting, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Make Peace With My Sick Dad? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Home Selling, Home Buying, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Apr 2020 19:32:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86f1ed38-f230-11ec-b8fd-a70886189ded/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Selling, Home Buying, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Selling, Home Buying, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Selling, Home Buying, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2593</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Get a Post-Nuptial Agreement? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 24 Apr 2020 21:37:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11180</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/874d3abc-f230-11ec-b8fd-1f74dcc8c824/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Insurance</itunes:subtitle>
      <itunes:summary>Savings, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Insurance</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Investing in Single Stocks Is Like Going to Vegas (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Anthony ONeal, Debt, Insurance, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 24 Apr 2020 20:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11179</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87a6be8e-f230-11ec-b8fd-eb5336af35a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Anthony ONeal, Debt, Insurance, Retirement</itunes:subtitle>
      <itunes:summary>Chris Hogan, Anthony ONeal, Debt, Insurance, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Anthony ONeal, Debt, Insurance, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Steal From Your Future to Clean Up Your Present (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Anthony ONeal, Budgeting, Savings, Debt, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </description>
      <pubDate>Fri, 24 Apr 2020 19:32:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11178</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8800b254-f230-11ec-b8fd-4fcb8d0f9959/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Anthony ONeal, Budgeting, Savings, Debt, Insurance</itunes:subtitle>
      <itunes:summary>Chris Hogan, Anthony ONeal, Budgeting, Savings, Debt, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Anthony ONeal, Budgeting, Savings, Debt, Insurance</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> <p> </p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Deal With Family Stress During the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Apr 2020 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8858eb68-f230-11ec-b8fd-876e3c0eeb6d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Capitalism Is Like a Weed - You Can't Kill It! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Apr 2020 20:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88b07c16-f230-11ec-b8fd-432c0e6f8b1b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Okay to Admit You Don't Know Something (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Apr 2020 19:32:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8908e6f8-f230-11ec-b8fd-137a042cea95/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2592</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Deal With Business Restrictions During This Crisis? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Apr 2020 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/896181dc-f230-11ec-b8fd-df4c72773b36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2588</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6ff5a5079a701c09a22cf20b6d9b533d]]></guid>
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    <item>
      <title>Your Worth Is NOT Your Work (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Paula Faris, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Apr 2020 20:37:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89d491a4-f230-11ec-b8fd-43164f865420/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Paula Faris, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Paula Faris, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Paula Faris, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9650780270.mp3?updated=1655908448" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Have to Go Back to a Job You Hate! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Apr 2020 19:32:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a344dba-f230-11ec-b8fd-bf7c26764f99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: The Timeshare Industry Is Scum! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Timeshares
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Apr 2020 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a8fc302-f230-11ec-b8fd-1bb8cf60df6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Timeshares  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Timeshares
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Timeshares</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Think About What Problem You Can Solve for Your Customers (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Christy Wright, Retirement, Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Apr 2020 20:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8aea9a84-f230-11ec-b8fd-3762d4829c17/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Retirement, Career, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Retirement, Career, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Retirement, Career, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2589</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Build a Client Base During the Coronavirus? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Christy Wright, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Apr 2020 19:32:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b447a4a-f230-11ec-b8fd-c35403d61ebe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2562</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Calm Down - You DON'T Have to Run for the Hills! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Home Buying, Taxes, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Apr 2020 21:37:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b9b7e44-f230-11ec-b8fd-6bca9d6a9c02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Home Buying, Taxes, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Home Buying, Taxes, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Home Buying, Taxes, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Crash Course in Supply and Demand Economics (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Apr 2020 20:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8bf61520-f230-11ec-b8fd-e7b57f3f2c8c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2616</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Advice for Students During the Coronavirus Crisis (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Anthony ONeal, Financial Literacy Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Apr 2020 19:32:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c4d27f2-f230-11ec-b8fd-d3e523431538/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Financial Literacy Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Financial Literacy Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Financial Literacy Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Be Gracious With People During This Season of Loss (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 17 Apr 2020 21:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ca6b9ca-f230-11ec-b8fd-2fb6c84220e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>People Can Handle Bad News Better Than No News (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Debt, Career, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 17 Apr 2020 20:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8cff59ea-f230-11ec-b8fd-df55fd41de03/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Career, Insurance, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Career, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Career, Insurance, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2554</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Create a System of Checks and Balances for Your Mental Health (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 17 Apr 2020 19:32:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d588eca-f230-11ec-b8fd-23b6bc9fced6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>School Is Not Your Priority - YOU Are Your Priority (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Apr 2020 21:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8db21382-f230-11ec-b8fd-bbc66044501a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time to Get Serious About Your Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Apr 2020 20:37:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e3394f2-f230-11ec-b8fd-8f85deb6ca36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Is Your Unique Contribution to the Workplace? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Career Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 16 Apr 2020 19:32:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e8bba88-f230-11ec-b8fd-530445548e3d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2562</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Reset Your Life During This Crisis (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Rachel Cruze, Home Buying, Career, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Apr 2020 21:37:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ee410d4-f230-11ec-b8fd-8f46570ef012/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Buying, Career, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Buying, Career, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Home Buying, Career, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Finish College? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Apr 2020 20:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f4041f6-f230-11ec-b8fd-8f3e3ee45549/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Debt, Savings, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Debt, Savings, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Use Interest Rates to Justify Stupidity! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Budgeting, Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 15 Apr 2020 19:32:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f9a5ec0-f230-11ec-b8fd-33e7ff2d228e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Budgeting, Debt, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Budgeting, Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Budgeting, Debt, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2531</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Learn How to Pivot Your Business During the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Christy Wright, Business Boutique Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Apr 2020 21:37:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ff7f5b2-f230-11ec-b8fd-33dcc769418e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Business Boutique Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Business Boutique Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Business Boutique Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Study Something That Is Usable in the Marketplace (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Apr 2020 20:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9055b4c2-f230-11ec-b8fd-8f10fb0c0285/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Become Allergic to Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Home Selling, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 14 Apr 2020 19:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90b331ba-f230-11ec-b8fd-c310e5e05900/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Selling, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Selling, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Home Selling, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Sell My Book During the Coronavirus? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/how-do-i-sell-my-book-during-the-coronavirus-hour-3</link>
      <description>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Apr 2020 22:19:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/910ce5e8-f230-11ec-b8fd-af850c3ef552/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Businesses Need to Focus on Things They Can Control (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Apr 2020 20:37:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9166cc2a-f230-11ec-b8fd-83df907ee6b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Ride the Wave of Change When Your Life Is Disrupted (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 13 Apr 2020 19:32:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91bfc104-f230-11ec-b8fd-835b60379a4f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Financial Advisor Has Been Accused of Being a Crook (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/my-financial-advisor-has-been-accused-of-being-a-crook-hour-3</link>
      <description>Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Apr 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/923315dc-f230-11ec-b8fd-fbb659c1fc40/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Sometimes You Don't Need Feelings - You Need a Calculator! (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/sometimes-you-dont-need-feelings-you-need-a-calculator-hour-2</link>
      <description>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Apr 2020 21:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/928c13f8-f230-11ec-b8fd-93a35a76b0f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2554</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>NEVER Keep Cash Value Life Insurance (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/never-keep-cash-value-life-insurance-hour-1</link>
      <description>Debt, Insurance, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Apr 2020 20:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92f8712e-f230-11ec-b8fd-f38d5f1152ad/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2545</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Pursue Your Passion in a Way That Is Wise (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Apr 2020 21:37:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9352273c-f230-11ec-b8fd-fb9d591f5f36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I'm Anxious About My Job Options (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Career, Debt, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Apr 2020 20:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/93aae05c-f230-11ec-b8fd-a3b7afcb98fb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Career, Debt, Home Selling, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Career, Debt, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Career, Debt, Home Selling, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2562</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Still Have Financial Peace During This Crisis (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Apr 2020 19:32:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/940428d8-f230-11ec-b8fd-c73e6316f870/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Career Advice During the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Apr 2020 21:37:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/945e671c-f230-11ec-b8fd-5f6f9a40d68f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Best Ideas of Tomorrow Come From the Crisis of Today (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Apr 2020 20:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94b6be1c-f230-11ec-b8fd-ab77a7832da8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's OK to Have a New Job Strategy Temporarily (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Apr 2020 19:32:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9513e416-f230-11ec-b8fd-c3e916e3ba97/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Create a Daily Routine Even During the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Debt, Home Selling, Insurance, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Apr 2020 21:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/956d5226-f230-11ec-b8fd-5baaef22a11d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Selling, Insurance, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Selling, Insurance, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Home Selling, Insurance, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Lessons Can Be Learned From Hard Times (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Apr 2020 20:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11140</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/95c65a38-f230-11ec-b8fd-9f6ffa695ae2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Savings, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Savings, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Fall for the SBA Loan "Forgiveness" (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Insurance, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Apr 2020 19:32:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9628a40e-f230-11ec-b8fd-cb0c47e43cc1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Insurance, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Insurance, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Insurance, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>A Message of Hope Series: Anthony ONeal</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-anthony-oneal</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir 
 daveramsey.com/hope</description>
      <pubDate>Tue, 07 Apr 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11138</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/969d480e-f230-11ec-b8fd-579b1bd22f36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir 
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a> </p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p>]]>
      </content:encoded>
      <itunes:duration>1005</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a7ee2d30-7b81-403b-9a31-47487055cf07]]></guid>
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    <item>
      <title>Don't Wait for Things to Happen - MAKE Them Happen! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Apr 2020 21:37:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/96f6c244-f230-11ec-b8fd-7b89ecff589a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What to Do if You Get Furloughed During the Coronavirus (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Home Selling, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Apr 2020 20:37:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/974e3ad8-f230-11ec-b8fd-2fe91c88f360/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Home Selling, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Home Selling, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Home Selling, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Turn a Financial Safety Net Into a Hammock (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Anthony ONeal, Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Apr 2020 19:32:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97a76004-f230-11ec-b8fd-fb2c678ac0d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Debt, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2565</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Message of Hope Series: Ken Coleman</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-ken-coleman</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</description>
      <pubDate>Sat, 04 Apr 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97fff46c-f230-11ec-b8fd-cf952ebd1c83/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a></p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p>]]>
      </content:encoded>
      <itunes:duration>1570</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Loan "Forgiveness" Comes With a Price (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Debt, Home Buying, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Apr 2020 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/985afdbc-f230-11ec-b8fd-9f7d499aa6f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Debt, Home Buying, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Debt, Home Buying, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Debt, Home Buying, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>An EntreLeadership Theme Hour During the Coronavirus (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Apr 2020 20:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98b4eb74-f230-11ec-b8fd-9bb4a90dcaa2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Choose to Be a Victor or a Victim (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Apr 2020 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/990d963e-f230-11ec-b8fd-47560e70471f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Message of Hope Series: Dr. John Delony</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-dr-john-delony</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</description>
      <pubDate>Fri, 03 Apr 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9966a2d8-f230-11ec-b8fd-5fe18dfc1999/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a></p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p>]]>
      </content:encoded>
      <itunes:duration>1211</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ac6704d2-a36c-4df8-adfd-ae84b49de801]]></guid>
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    <item>
      <title>My Daughter Disowned Me Due to the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Apr 2020 21:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99bf622e-f230-11ec-b8fd-abc964c2ffb4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Savings, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Savings, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Stay Connected During This Crisis (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Career, Insurance, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Apr 2020 20:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a2d8ca4-f230-11ec-b8fd-bf3a855ba8b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Career, Insurance, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Career, Insurance, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Career, Insurance, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2420</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Control Your Inputs During the Pandemic (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Apr 2020 19:32:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a848996-f230-11ec-b8fd-f7027a341e18/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Career, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Career, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Message of Hope Series: Christy Wright</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-christy-wright</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</description>
      <pubDate>Thu, 02 Apr 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9adce096-f230-11ec-b8fd-034289ffd548/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a></p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p>]]>
      </content:encoded>
      <itunes:duration>1611</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Ask Yourself if Fear or Wisdom Is Guiding Your Decisions (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Christy Wright, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Apr 2020 21:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9b35b68a-f230-11ec-b8fd-2fd7c2534561/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have an Opportunity to Innovate During This Season (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Christy Wright, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Apr 2020 20:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9b8c5576-f230-11ec-b8fd-67976e7388e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Cash Gives You Options When Facing a Crisis (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04012020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Christy Wright, Debt, Career, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Apr 2020 19:32:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9be48426-f230-11ec-b8fd-cf7fa114d9ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Debt, Career, Savings Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Debt, Career, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Christy Wright, Debt, Career, Savings</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Message of Hope Series: Chris Hogan</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-chris-hogan</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</description>
      <pubDate>Wed, 01 Apr 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c3c3446-f230-11ec-b8fd-5fd4b4dcdb74/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a></p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p>]]>
      </content:encoded>
      <itunes:duration>1080</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Try to Make Sense of Someone Nonsensical!  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Career, Insurance, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Mar 2020 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c938a52-f230-11ec-b8fd-8bcf8a4e204d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Career, Insurance, Home Buying, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Career, Insurance, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Career, Insurance, Home Buying, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Control Your Reactions During a Crisis (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Mar 2020 20:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11120</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9cec7824-f230-11ec-b8fd-87488666928a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Insurance, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Insurance, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Have the Vaccine for Your Money Problems (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03312020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Mar 2020 19:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9d45ecce-f230-11ec-b8fd-1b5afaec8237/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Message of Hope Series: Rachel Cruze</title>
      <link>http://draudioarchives.libsyn.com/a-message-of-hope-series-rachel-cruze</link>
      <description>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope
  </description>
      <pubDate>Tue, 31 Mar 2020 00:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9da00470-f230-11ec-b8fd-032d7cb3dd43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy...</itunes:subtitle>
      <itunes:summary>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 Get a FREE trial of our life-changing Financial Peace University today: https://bit.ly/3dFT7ir
 daveramsey.com/hope
  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p>Get a FREE trial of our life-changing Financial Peace University today: <a href="https://bit.ly/3dFT7ir">https://bit.ly/3dFT7ir</a></p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p> <p> </p>]]>
      </content:encoded>
      <itunes:duration>1034</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Take Care of Your Four Walls First During a Crisis (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Rachel Cruze, Home Buying, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Mar 2020 21:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9df7c354-f230-11ec-b8fd-af0e48b189ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Buying, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Buying, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Home Buying, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Should I Do With the Stimulus Check? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Mar 2020 20:37:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9e50e754-f230-11ec-b8fd-93f386b159d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Career, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Career, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There Are Reasons to NOT Be in Freakout Mode (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Taxes, Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Mar 2020 19:32:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9eb55fc2-f230-11ec-b8fd-1b2333369770/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Taxes, Retirement, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Taxes, Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Taxes, Retirement, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a House During This Crisis? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Rachel Cruze, Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Mar 2020 21:37:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f0e6ca2-f230-11ec-b8fd-631957d1e398/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Debt, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Debt, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Advice on Job Hunting During the Coronavirus (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Mar 2020 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f667708-f230-11ec-b8fd-abf2cbcdddc0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Invest While the Market Is Down? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Mar 2020 19:32:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9fbf2e0c-f230-11ec-b8fd-e3bee6ba3bce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Budgeting, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Budgeting, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
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      <title>Hope Is More Contagious Than Fear: Dave Ramsey, Ken Coleman, Rachel Cruze</title>
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      <description>Dave Ramsey, Ken Coleman, Rachel Cruze  It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 daveramsey.com/hope</description>
      <pubDate>Fri, 27 Mar 2020 02:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a018a4fa-f230-11ec-b8fd-976ecba72709/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Ramsey, Ken Coleman, Rachel Cruze  It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken...</itunes:subtitle>
      <itunes:summary>Dave Ramsey, Ken Coleman, Rachel Cruze  It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.
 daveramsey.com/hope</itunes:summary>
      <content:encoded>
        <![CDATA[Dave Ramsey, Ken Coleman, Rachel Cruze  <p>It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony.</p> <p><a href="https://www.daveramsey.com/store/hope">daveramsey.com/hope</a></p> ]]>
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      <title>My Family Is Asking for Money During This Crisis (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Mar 2020 21:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a07154d8-f230-11ec-b8fd-2bc7ebe90bd5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Advice for Small Businesses During Coronavirus (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Mar 2020 20:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a0cab23a-f230-11ec-b8fd-57a37a70e67a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Daniel Tardy, EntreLeadership Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>Nobody Makes Good Decisions When They're Afraid (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Mar 2020 19:32:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a1243792-f230-11ec-b8fd-17c91ec233cc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Should Coronavirus Delay My Student Loan Payments? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Savings, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Mar 2020 21:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a17c6188-f230-11ec-b8fd-cb4d0208b276/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Savings, Home Buying, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Savings, Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Savings, Home Buying, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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      <title>You Can Have Financial Peace in Good AND Bad Times (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Retirement, Home Selling, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Mar 2020 20:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a1d75412-f230-11ec-b8fd-4fcc3a8cdf03/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Retirement, Home Selling, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Retirement, Home Selling, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Retirement, Home Selling, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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      <title>DAVE RANT: Fear of the Coronavirus Is a Decision (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Mar 2020 19:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a2310552-f230-11ec-b8fd-d7d31266a7c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
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      <title>My Husband Was Laid Off Due to Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Budgeting, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Mar 2020 21:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a2879160-f230-11ec-b8fd-577cb3d0d77d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Budgeting, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Budgeting, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Budgeting, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Have Faith, Not Fear (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Home Buying, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Mar 2020 20:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3024734-f230-11ec-b8fd-97169cc115cc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Home Buying, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Home Buying, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Home Buying, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
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    <item>
      <title>How to Talk to Your Kids About Coronavirus (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. Meg Meeker, Anthony ONeal, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Mar 2020 19:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a35b6756-f230-11ec-b8fd-cffc29d9e470/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. Meg Meeker, Anthony ONeal, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. Meg Meeker, Anthony ONeal, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. Meg Meeker, Anthony ONeal, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Parents Are Worried About the Coronavirus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Mar 2020 21:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3ba0234-f230-11ec-b8fd-a7079fcdeebe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Career, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Career, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Illness vs. the Economic "Cure" (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Dr. Henry Cloud, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Mar 2020 20:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a414578e-f230-11ec-b8fd-4b5bfa3470b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Dr. Henry Cloud, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Dr. Henry Cloud, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Dr. Henry Cloud, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Fear Doesn't Give You Permission to Misbehave (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr. John Delony, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Mar 2020 19:32:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a46dfb2c-f230-11ec-b8fd-b7e654107e94/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Correlation Between Ring Size and Marriage Success (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Mar 2020 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11098</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a4c80572-f230-11ec-b8fd-4bf02adb3b13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Attack Our $700,000 Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Mar 2020 20:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a51f368a-f230-11ec-b8fd-4f9aac9d77af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
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    <item>
      <title>You Can't Leave Risk Out of Your Math Equations (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Mar 2020 19:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a5779d52-f230-11ec-b8fd-dbe924cf08df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Budgeting, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>THAT Is How You Do a Debt-Free Scream! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Mar 2020 21:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a5d06a86-f230-11ec-b8fd-138786fd8daa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have a Loan at 53.7% Interest! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Mar 2020 20:37:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a62eb406-f230-11ec-b8fd-4fd40687803d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Family Is Getting Jealous of My Success (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Mar 2020 19:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a6b06ce4-f230-11ec-b8fd-7f897b9cfd02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Facts are Your Friends (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Mar 2020 21:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a70aff92-f230-11ec-b8fd-77dceb46f32a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Need Perspective Right Now, Not Panic (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Retirement, Debt, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Mar 2020 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a765d188-f230-11ec-b8fd-9b56977a0433/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Retirement, Debt, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Retirement, Debt, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Ken Coleman, Retirement, Debt, Career</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: You're Going to Be OKAY (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Mar 2020 19:31:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a7c230f4-f230-11ec-b8fd-c336d535a30d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Believe the Myths About Millionaires! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Mar 2020 21:36:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a81b3fc8-f230-11ec-b8fd-e31f3ec71b87/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Everyday Millionaire Theme Hour, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: How to Do Survival Mode (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Mar 2020 20:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8751d18-f230-11ec-b8fd-e72d15cb99d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Deal With the Emergency That's in Front of You (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Mar 2020 19:32:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8ce41ae-f230-11ec-b8fd-8736637d8956/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>DAVE RANT: Fear and Hope Are More Contagious Than a Virus (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQRv</description>
      <pubDate>Mon, 16 Mar 2020 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11086</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a926bd52-f230-11ec-b8fd-873bcb38f7eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQRv</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Budgeting</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>v]]>
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      <itunes:duration>2498</itunes:duration>
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      <title>Pause the Baby Steps if Coronavirus Is Affecting Your Income! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 16 Mar 2020 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11085</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a97fbe7a-f230-11ec-b8fd-7b0a074c9307/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Don't Solve a Short-Term Problem With a Long-Term Disaster (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 16 Mar 2020 19:32:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11084</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a9d98b76-f230-11ec-b8fd-db27924c95fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Savings</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2504</itunes:duration>
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    <item>
      <title>DAVE RANT: You Can't Beat the Credit Card Companies! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 13 Mar 2020 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11083</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa53224c-f230-11ec-b8fd-4faced2ea72a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying</itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2498</itunes:duration>
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    <item>
      <title>I'm Worried That My Fiancé is Lying About Making Payments (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Savings, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 13 Mar 2020 20:37:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11082</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aaac0c0e-f230-11ec-b8fd-b3f0394aa415/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2495</itunes:duration>
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    <item>
      <title>The "Why" Behind Dave's Home-Buying Guidelines (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Home Selling, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 13 Mar 2020 19:32:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>11081</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab077b7a-f230-11ec-b8fd-b736eca4ea99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Selling, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Selling, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Selling, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Don't Let Others Manipulate Your Financial Decisions! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Career, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Mar 2020 21:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab6e627c-f230-11ec-b8fd-af0e6757be7c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Career, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Career, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>How to Enjoy Spending Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Mar 2020 20:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/abf9f7ec-f230-11ec-b8fd-4b9c4de7202a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>You Won't Die From Not Going to a Restaurant! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Taxes, Debt, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Mar 2020 19:31:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ac5200b8-f230-11ec-b8fd-7b5344129e00/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Career, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Debt, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Career, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Have Decide to Stop Doing Things That Aren't Working (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Mar 2020 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/acad173c-f230-11ec-b8fd-2b48e23fc55a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Dad Started a Business in My Name (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Taxes, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Mar 2020 20:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad04b3fc-f230-11ec-b8fd-db13e9cfcaaf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>DAVE RANT: Giving In to Mass Hysteria Is Dumb! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Insurance, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Mar 2020 19:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad5e64ba-f230-11ec-b8fd-33e0a1a21981/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Insurance, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Insurance, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2502</itunes:duration>
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      <title>An Eagle That Doesn't Leave the Nest Becomes a Turkey (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Mar 2020 21:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/adb72974-f230-11ec-b8fd-3b680c0982db/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Introducing the Newest Ramsey Personality! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dr. John Delony, Retirement, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Mar 2020 20:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ae0f2836-f230-11ec-b8fd-93022b89160b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. John Delony, Retirement, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. John Delony, Retirement, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dr. John Delony, Retirement, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>You Have to Submit to the Plan (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Savings, Debt, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Mar 2020 19:31:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ae7a70d2-f230-11ec-b8fd-5b60e4afa942/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Debt, Retirement, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Debt, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Debt, Retirement, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Panicked and Sold My Stocks! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Mar 2020 21:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aed78e7a-f230-11ec-b8fd-e76f7ba6a454/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Don't Have to Repeat Your Family's Mistakes (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Home Selling, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Mar 2020 20:36:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af311422-f230-11ec-b8fd-6b7bc8ab7889/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Selling, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Selling, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Home Selling, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Don't Make Decisions Based on Public Panic! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Mar 2020 19:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af9c69d4-f230-11ec-b8fd-e7bc5af9fce8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Voluntary Repo - A New Car is Not a Human Right (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Relationships, Debt, Real Estate
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Mar 2020 22:36:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aff88aca-f230-11ec-b8fd-1f1a2e50dfd5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Debt, Real Estate  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Debt, Real Estate
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Debt, Real Estate</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is There a Spending Limit on Pets? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Real Estate, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Mar 2020 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b05256fe-f230-11ec-b8fd-d7beb2ef3f6d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Real Estate, Debt, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Real Estate, Debt, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Real Estate, Debt, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Husband Borrowed Against 401(k) for His Business (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Mar 2020 20:31:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0af1344-f230-11ec-b8fd-0bd1793bebf0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Investing, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Can I Buy a Porsche? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Mar 2020 22:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b10b6810-f230-11ec-b8fd-7f04bc4cbd76/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Relationships, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Relationships, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Relationships, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Should We Pay Off Our Mortgage? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Real Estate, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Mar 2020 21:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b168bb50-f230-11ec-b8fd-6730ee6e3484/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Real Estate, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Real Estate, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Real Estate, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Its Not a Money Problem, Its a Marriage Problem (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03052020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Mar 2020 20:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b1dad686-f230-11ec-b8fd-a71ddd39078b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Relationships, Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Relationships, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Relationships, Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Pay for Stuff When You Get It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Real Estate, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Mar 2020 22:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b236c6a8-f230-11ec-b8fd-bfc504b3e7fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Real Estate, Relationships  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Real Estate, Relationships
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Real Estate, Relationships</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is Now the Time to Refinance? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Real Estate, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Mar 2020 21:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b28e59fe-f230-11ec-b8fd-fb1133e9d5c1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Real Estate, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Real Estate, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Real Estate, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Handle Debt in Collections (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03042020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Mar 2020 20:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b2e825f6-f230-11ec-b8fd-43283dcc1b43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2502</itunes:duration>
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      <title>Dave Talks Changes in Retirement Laws (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Home Selling, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Mar 2020 22:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b341af04-f230-11ec-b8fd-ef5596fb7b4f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Selling, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Selling, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Selling, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Aren't a Victim of Anything Except Your Own Habits (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Selling, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Mar 2020 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b39c61ce-f230-11ec-b8fd-cf603806f9fd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>Business Is a Conversation With the Marketplace (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Christy Wright, Debt, Taxes, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Mar 2020 20:31:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b53b44a0-f230-11ec-b8fd-83c64a2ba9a5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Debt, Taxes, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Debt, Taxes, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Debt, Taxes, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>We Have $400,000 in Student Loans Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Craig Groeschel, Career, Budgeting, Home Selling, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Mar 2020 22:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b8e4f588-f230-11ec-b8fd-a7e0e5529eb3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Craig Groeschel, Career, Budgeting, Home Selling, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Craig Groeschel, Career, Budgeting, Home Selling, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Craig Groeschel, Career, Budgeting, Home Selling, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Envy Is Evil! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Mar 2020 21:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bb763d98-f230-11ec-b8fd-5bf3ae319baf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Budgeting, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Budgeting, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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      <title>They Paid Off $461,000!</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/03022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Mar 2020 20:31:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be3c76d2-f230-11ec-b8fd-df15a278d4e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>1909</itunes:duration>
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      <title>How to Prioritize Old Debts vs. Active Debts (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Feb 2020 22:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c0ed6ada-f230-11ec-b8fd-0bac58488cfe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Meekness Is NOT the Same As Weakness (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Feb 2020 21:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c3b8c12e-f230-11ec-b8fd-ffd4628e94f1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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    <item>
      <title>You Don't Have to Pay $200,000 for a Law Degree! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 28 Feb 2020 20:31:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4605646-f230-11ec-b8fd-dfc4f5e7cf02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2504</itunes:duration>
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      <title>YOU are the Secret Sauce to Paying Off Your Loans (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Feb 2020 22:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4b6f29e-f230-11ec-b8fd-6350ecdd332f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Don't Let Someone Else Control Your Destiny! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Feb 2020 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c50e13ee-f230-11ec-b8fd-cbb7b59a033b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Dream Without a Plan Is Called a Wish (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Rachel Cruze, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 27 Feb 2020 20:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c565267a-f230-11ec-b8fd-374acdfd300f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Rachel Cruze, Home Buying, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Rachel Cruze, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Rachel Cruze, Home Buying, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Eject the Debt From Your Life! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Feb 2020 22:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5bc3b9a-f230-11ec-b8fd-2f9ea3057148/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Insurance, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Insurance, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can't Medicate a Problem With More Stuff (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Chris Hogan, Debt, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Feb 2020 21:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6129f76-f230-11ec-b8fd-93903f379d5e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Chris Hogan, Debt, Budgeting, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Chris Hogan, Debt, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Chris Hogan, Debt, Budgeting, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Society Does Not Owe You a Job! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02262020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Taxes, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 26 Feb 2020 20:31:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6699d1c-f230-11ec-b8fd-ffcce26b459e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Career, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Career, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Credit Score Is a Scam to Get You to Borrow Money! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Feb 2020 22:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6c01d36-f230-11ec-b8fd-5740c750ecb6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Respond to Negative Reviews of Your Business (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Christy Wright, Business Boutique Theme Hour, Career, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Feb 2020 21:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c71795f2-f230-11ec-b8fd-bf24ade95695/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Business Boutique Theme Hour, Career, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Business Boutique Theme Hour, Career, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Business Boutique Theme Hour, Career, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let Pride Get in the Way of Your Progress (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02252020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Retirement, Home Selling, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 25 Feb 2020 20:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c79e757c-f230-11ec-b8fd-5f46c64bc4c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Retirement, Home Selling, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Retirement, Home Selling, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Retirement, Home Selling, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Wealth Is a Magnifying Glass on What You Already Were (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Feb 2020 22:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c7f61692-f230-11ec-b8fd-ebd7b7bf37d4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Look at the Future for Making Decisions, Not the Past (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Feb 2020 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c84ef956-f230-11ec-b8fd-8765ac8d3a10/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where Do You Want to Spend 90,000 Hours of Work? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Ken Coleman, Rachel Cruze, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 24 Feb 2020 20:31:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c8a7d008-f230-11ec-b8fd-8bc3cae45c1c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Rachel Cruze, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Rachel Cruze, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Rachel Cruze, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Wait for the Government to Grow a Brain! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Feb 2020 22:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9051e2a-f230-11ec-b8fd-5fb3366d6c28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Career, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Career, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Accept Limitations From Anyone! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Ken Coleman, Retirement, Career, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Feb 2020 21:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c95f0822-f230-11ec-b8fd-fb9ecf3b6803/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Ken Coleman, Retirement, Career, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Ken Coleman, Retirement, Career, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Ken Coleman, Retirement, Career, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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    <item>
      <title>Become the CEO of Your Financial Future (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 21 Feb 2020 20:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9bb8304-f230-11ec-b8fd-a38c6983347c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Retirement, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Retirement, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>Don't Blindly Support Your Family's Stupidity! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Feb 2020 22:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca4e4ca2-f230-11ec-b8fd-a74b101cf462/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>The More Your Business Borrows, the More Likely You Are to Fail (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Feb 2020 21:36:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/caa78088-f230-11ec-b8fd-6b59a68179c2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Should I Take a Pay Cut That Will Lead to a Better Job? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 20 Feb 2020 20:31:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cafe8ef0-f230-11ec-b8fd-5f9cf21b6769/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>Should I Start a Business While in Baby Step 2? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Feb 2020 22:36:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb55e7f4-f230-11ec-b8fd-07e31eccd139/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2499</itunes:duration>
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    <item>
      <title>You Have to Start Dreaming in HD! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Feb 2020 21:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cbade652-f230-11ec-b8fd-5787556ffb1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>Should I Sell an Inherited House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02192020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 19 Feb 2020 20:31:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc0576f6-f230-11ec-b8fd-db5b18ceaa02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
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      <title>My Fiancé Wants to Keep an Expensive Horse (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 18 Feb 2020 22:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc5b612e-f230-11ec-b8fd-07ce3c7a70a8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>DAVE RANT: Are You Better Than You Used to Be? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 18 Feb 2020 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ccb0c330-f230-11ec-b8fd-2766e8929a8b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Being Content Is NOT the Same As Being Complacent (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02182020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Christy Wright, Rachel Cruze, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 18 Feb 2020 20:56:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd0575e2-f230-11ec-b8fd-4f8369e5158b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Christy Wright, Rachel Cruze, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Christy Wright, Rachel Cruze, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Christy Wright, Rachel Cruze, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Pay My Medical Bills? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Christy Wright, Debt, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Feb 2020 22:35:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd5a0882-f230-11ec-b8fd-9304636437c7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Christy Wright, Debt, Career, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Christy Wright, Debt, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Christy Wright, Debt, Career, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>I Have $120,000 in Student Loans! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Anthony ONeal, Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Feb 2020 21:45:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cdaeda7e-f230-11ec-b8fd-5bdfdee176d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Anthony ONeal, Debt, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Anthony ONeal, Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Anthony ONeal, Debt, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Passion Is Empty Without Action (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 17 Feb 2020 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce0548dc-f230-11ec-b8fd-afe039847882/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement, Debt, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Why You Shouldn't Pre-Pay for College (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Feb 2020 22:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce5bd4a4-f230-11ec-b8fd-c37ec2151b49/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Getting Out of Debt Gives Yourself a Raise (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Savings, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Feb 2020 21:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ceb17fc6-f230-11ec-b8fd-175fba6fa6fa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Savings, Budgeting, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Savings, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Savings, Budgeting, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Valentine's Day Debt-Free Scream! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 14 Feb 2020 20:35:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf066e96-f230-11ec-b8fd-ab38279fdbea/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Rachel Cruze, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Choose Company Loyalty Over Family (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Feb 2020 22:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf5aa9e8-f230-11ec-b8fd-dbb9a4679750/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Career, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Career, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Career, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>You Can Always Count on the Unexpected (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Feb 2020 21:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cfc8270c-f230-11ec-b8fd-83cb9c36d8dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How You Finish School Is More Important Than Where You Finish (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Anthony ONeal, Career, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 13 Feb 2020 20:35:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d01ca188-f230-11ec-b8fd-4b7bf5f2c6f4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Career, Debt, Education  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Career, Debt, Education
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Anthony ONeal, Career, Debt, Education</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2502</itunes:duration>
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    <item>
      <title>Decide What You Need Instead of What You Want (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Feb 2020 22:35:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d07107b4-f230-11ec-b8fd-fb974a350604/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Get a Pass on Math Just Because the Market Is Hot (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Feb 2020 21:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d0c6ad2c-f230-11ec-b8fd-33fedd239167/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Student Loans Won't Die Until You Do (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02122020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 12 Feb 2020 20:35:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d11b8360-f230-11ec-b8fd-cfbe00f50620/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's Next After Becoming Debt-Free? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Feb 2020 22:35:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d16faed6-f230-11ec-b8fd-1743bef69ccd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Overcome "Powdered Butt Syndrome" (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Feb 2020 21:44:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1c5217c-f230-11ec-b8fd-73e7142db2d0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pause the Baby Steps to Cashflow a Wedding? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02112020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 11 Feb 2020 20:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d21bbc8a-f230-11ec-b8fd-9fe839b60c87/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Grow in Your Career Even After 30 Years! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Career Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Feb 2020 22:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d270dbd4-f230-11ec-b8fd-5fad0504a5ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>There's No Shortcut to Any Place Worth Going (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Retirement, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Feb 2020 21:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2c5ec3c-f230-11ec-b8fd-0b97f325244b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>When You Try to Do 3 Things at Once, None of Them Work (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 10 Feb 2020 20:35:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d31b193c-f230-11ec-b8fd-d7e95ac7e007/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Debt-Free Scream From Germany! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Feb 2020 22:40:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d370889a-f230-11ec-b8fd-af2fca2a8503/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Career, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Career, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Want to Be Rich, Talk to Rich People! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Feb 2020 21:34:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3c547f4-f230-11ec-b8fd-776c45888d4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pay My Kids to Do Their Homework? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 07 Feb 2020 20:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d41c39b0-f230-11ec-b8fd-2b9d55cd7ea0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Sister Stole $1 Million From Our Parents (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Feb 2020 22:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d471c93e-f230-11ec-b8fd-83417f95f15c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Use a Mileage Reimbursement? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Feb 2020 21:34:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d4c9c68e-f230-11ec-b8fd-9babff94d918/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <description>Debt, Home Buying, Savings, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 06 Feb 2020 20:35:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Home Buying, Savings, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should We Use Our Emergency Fund to Pay for Adoption?  (Hour 3)</title>
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      <description>Debt, Savings, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Feb 2020 22:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Savings, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Savings, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Feb 2020 21:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Insurance, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Insurance, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Savings, Insurance, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 05 Feb 2020 20:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Savings, Insurance, Home Selling, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Insurance, Home Selling, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Savings, Insurance, Home Selling, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>There's No Such Thing As Being "Good" at Day Trading! (Hour 3)</title>
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      <description>Taxes, Retirement, Debt, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Feb 2020 22:48:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Taxes, Retirement, Debt, Career, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Retirement, Debt, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Taxes, Retirement, Debt, Career, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Can I Upgrade My Expensive House? (Hour 2)</title>
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      <description>Career, Home Buying, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Feb 2020 21:44:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Career, Home Buying, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <description>Debt, Budgeting, Savings, Retirement, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 04 Feb 2020 20:35:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Debt, Budgeting, Savings, Retirement, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings, Retirement, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Budgeting, Savings, Retirement, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Husband Hid $140,000 in Debt! (Hour 3)</title>
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      <description>Debt, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Feb 2020 22:40:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Debt, Budgeting, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Budgeting, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Debt Is NOT an Income Problem (Hour 2)</title>
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      <description>Debt, Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Feb 2020 21:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8390640-f230-11ec-b8fd-3ba4eedb997e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>The Math Behind Paying Cash for Cars (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/02032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 03 Feb 2020 20:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d88dfbc8-f230-11ec-b8fd-87bdd93b4596/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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      <title>When You Bring Order to the Chaos, It Changes Everything (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01312020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Taxes, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jan 2020 22:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8e3245e-f230-11ec-b8fd-6be6e3590df3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Taxes, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Taxes, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Taxes, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Need a $25,000 Truck to Prosper! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01312020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jan 2020 21:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9376e06-f230-11ec-b8fd-17d967494cff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>If You Wouldn't Buy It Again...Sell It! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01312020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 31 Jan 2020 20:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d98d72ba-f230-11ec-b8fd-b3cca7240b2e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>NEVER Take On a Car Payment for an Employer (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01302020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jan 2020 22:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9e1ef2a-f230-11ec-b8fd-ab8c91aab9c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Secret to Debt-Freedom Is...There Are No Secrets! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01302020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jan 2020 21:34:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da37b27a-f230-11ec-b8fd-6301884a32c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Damage Yourself in the Name of Generosity (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01302020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 30 Jan 2020 20:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/db508d30-f230-11ec-b8fd-6bf62ed59af6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Who Is Going to Provide for You - FICO or YOU? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jan 2020 22:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dbb4e47e-f230-11ec-b8fd-77ac0fd63314/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Waiting on the Government to Forgive Loans Is NOT a Strategy! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jan 2020 21:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc093826-f230-11ec-b8fd-b72bec023daf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Budget Is Not a Straitjacket - It's a Guard Rail (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01292020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 29 Jan 2020 20:42:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dc62ac26-f230-11ec-b8fd-6390f2990129/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2562</itunes:duration>
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    <item>
      <title>You Can Become a Millionaire WITHOUT Inheriting Money! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Everyday Millionaires Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jan 2020 22:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dcb7e3f8-f230-11ec-b8fd-9b0eb58bf35e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Everyday Millionaires Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Everyday Millionaires Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Everyday Millionaires Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Rule of Thumb for Splurging on Stuff (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jan 2020 21:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd0cd480-f230-11ec-b8fd-03100a12abd5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Impose Your Will on Your Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01282020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 28 Jan 2020 20:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dd62d808-f230-11ec-b8fd-cbfcb4f1b6f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Need to Have Goals, Not Resolutions! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jan 2020 22:40:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ddb774da-f230-11ec-b8fd-4f3e155c844c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You're Not a Stock Player...Don't Play the Stocks! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jan 2020 21:34:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de0b8fde-f230-11ec-b8fd-9b00cbda9fe5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2557</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>YOLO Is for Children! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01272020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Retirement, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 27 Jan 2020 20:36:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de68a6ba-f230-11ec-b8fd-5735366fbabc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Retirement, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Retirement, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Retirement, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Santa Claus Doesn't Work in DC! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01242020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Debt, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jan 2020 22:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/debec842-f230-11ec-b8fd-eba0b8826f1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt, Home Selling, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Debt, Home Selling, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You're Never Too Old or Too Young to Be Smart! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01242020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jan 2020 21:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df1489f8-f230-11ec-b8fd-bb6f2fc9b8dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Doing "Ish" Makes Financial Peace a Wish! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01242020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 24 Jan 2020 20:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/df697274-f230-11ec-b8fd-6384a7b21846/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Never Take Out a Reverse Mortgage! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01232020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jan 2020 22:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dfbe369c-f230-11ec-b8fd-afe9898ab52a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Debt, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Financing a Super Bowl Ticket Puts You in the Stupid Zone! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01232020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jan 2020 21:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0124386-f230-11ec-b8fd-a7373969dd7f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>I Have $622,000 in Debt - What Do I Do? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01232020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 23 Jan 2020 20:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0665016-f230-11ec-b8fd-07c8889a7e6e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: Act Your Wage! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Career, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jan 2020 22:34:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0b9dbfa-f230-11ec-b8fd-b7b5604ca600/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Career, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Career, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Career, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Pay Cash for Your Cars if You Want to Be Wealthy! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jan 2020 21:34:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e10da80c-f230-11ec-b8fd-b33ffb65287c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>Why You Should Never Get a Big Tax Refund (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01222020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Taxes, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 22 Jan 2020 20:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e16249d4-f230-11ec-b8fd-2b57a4343166/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Retirement, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Retirement, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>In Order to Win, You Have to Quit Caring About What Other People Think (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jan 2020 22:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e1b75abe-f230-11ec-b8fd-c3c75c4ac548/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Budgeting, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2556</itunes:duration>
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      <title>Should I Charge my Sister 24% Interest on Her Rent? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jan 2020 21:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e20b7860-f230-11ec-b8fd-ef8c3db20f34/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Budgeting, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Math Behind Millionaire Status (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01212020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 21 Jan 2020 20:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e25f6e66-f230-11ec-b8fd-b312282b344f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2563</itunes:duration>
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      <title>Getting Out of Debt Is Short-Term Pain For Long-Term Gain (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jan 2020 22:35:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e2b6da84-f230-11ec-b8fd-b38734544a84/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Have to Stay Positive During Your Debt-Free Journey (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Career, Home Buying, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jan 2020 21:34:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e30c0a40-f230-11ec-b8fd-6799193e3307/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Home Buying, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Career, Home Buying, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Career, Home Buying, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
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      <title>Budget Meetings Keep the Fights Down and the Progress Up (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01202020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Home Buying, Taxes, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 20 Jan 2020 20:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e35ff9d4-f230-11ec-b8fd-fbd92f767d49/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying, Taxes, Budgeting, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying, Taxes, Budgeting, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Home Buying, Taxes, Budgeting, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2565</itunes:duration>
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      <title>How Do I Keep My Business Afloat? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Selling, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 17 Jan 2020 22:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10963</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e3b48aee-f230-11ec-b8fd-2bdd4b4ce928/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Selling, Retirement</itunes:subtitle>
      <itunes:summary>Career, Home Selling, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Selling, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
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      <title>Why You Should NEVER Lease a Car (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Home Buying, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 17 Jan 2020 21:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10962</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4270380-f230-11ec-b8fd-235d68c523d7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Career</itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Boyfriend's Parents Are Prying Into My Finances (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01172020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 17 Jan 2020 20:35:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10961</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e47b69fc-f230-11ec-b8fd-c3ade454ee99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt</itunes:subtitle>
      <itunes:summary>Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2564</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Want to Be Stuck in the Middle Class, Keep a Car Payment! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01162020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 16 Jan 2020 22:34:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10960</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e4cfc2ea-f230-11ec-b8fd-2ffa27be2e37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Don't Believe You Can Get Out of Debt, You Won't (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01162020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Home Buying, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 16 Jan 2020 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10959</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e536f960-f230-11ec-b8fd-bff0524fb408/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying, Budgeting</itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Home Buying, Budgeting</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Do I Do With a $100,000 Commission Check? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01162020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Budgeting, Debt, Career, Savings, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 16 Jan 2020 20:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10958</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e58cc6c4-f230-11ec-b8fd-6393fac8cde6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Budgeting, Debt, Career, Savings, Home Buying</itunes:subtitle>
      <itunes:summary>Insurance, Budgeting, Debt, Career, Savings, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Budgeting, Debt, Career, Savings, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2563</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dave's Thoughts on the Different Types of Home Loans (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Home Buying, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 15 Jan 2020 22:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10957</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5e14d8e-f230-11ec-b8fd-270652c6560f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Insurance</itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying, Insurance</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2559</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Have a High Success Rate With a New Marriage (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Retirement, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 15 Jan 2020 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10956</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6362912-f230-11ec-b8fd-9bc3d7abc2fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Retirement, Savings</itunes:subtitle>
      <itunes:summary>Budgeting, Retirement, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Retirement, Savings</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>The Psychology of Cash vs. Plastic (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01152020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Retirement, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 15 Jan 2020 20:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10955</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6a03050-f230-11ec-b8fd-fbfc3a682e7c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Retirement, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2561</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Everyone Pays a Price to Win - No Exceptions! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Savings, Budgeting, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 14 Jan 2020 22:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10954</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6f5dd52-f230-11ec-b8fd-f3797c28f928/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Savings, Budgeting, Insurance</itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Savings, Budgeting, Insurance
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Savings, Budgeting, Insurance</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <title>I Make $800,000 a Year...When Can I Self-Insure? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 14 Jan 2020 21:34:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10953</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e74a8c26-f230-11ec-b8fd-ebe5a678fd36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>The Cavalry Isn't Coming...You ARE the Cavalry!  (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01142020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Home Selling, Debt, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 14 Jan 2020 20:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10952</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7a0d644-f230-11ec-b8fd-e7491f949049/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Selling, Debt, Savings</itunes:subtitle>
      <itunes:summary>Budgeting, Home Selling, Debt, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Selling, Debt, Savings</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2503</itunes:duration>
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      <title>The Credit Card Is Your Enemy, Not Your Friend! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 13 Jan 2020 22:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10951</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e7f48cb2-f230-11ec-b8fd-2f675f3fd633/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Debt</itunes:subtitle>
      <itunes:summary>Career, Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <title>The 3 Things to Bring Into a Salary Negotiation (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 13 Jan 2020 21:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10950</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8490b70-f230-11ec-b8fd-d34a8c671ab6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career</itunes:subtitle>
      <itunes:summary>Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>A Powerful Debt-Free Scream Story of Redemption (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01132020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Selling, Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 13 Jan 2020 20:34:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10949</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e89d9c6c-f230-11ec-b8fd-7b329c25445e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Selling, Home Buying, Debt</itunes:subtitle>
      <itunes:summary>Career, Home Selling, Home Buying, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Selling, Home Buying, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2505</itunes:duration>
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      <title>How Do I Manage the $1.2 Million I Won in the Lottery? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Savings, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jan 2020 22:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8f31b92-f230-11ec-b8fd-6fc007d69820/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Savings, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2498</itunes:duration>
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      <title>Look for Compatible Financial Goals in the Person You Marry (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jan 2020 21:34:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e947f5a4-f230-11ec-b8fd-4f450c95c7ec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Insurance, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Insurance, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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      <title>Money Habits Are Not Tied to Your DNA! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01102020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Insurance, Savings, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 10 Jan 2020 20:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e99c0702-f230-11ec-b8fd-b7ebbaeb0b31/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance, Savings, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Insurance, Savings, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Insurance, Savings, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Generous People Are Fun to Be Around (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01092020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jan 2020 22:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e9f1f874-f230-11ec-b8fd-9fae68b238f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>There Is No Magic Pill to Get Out of Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01092020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jan 2020 21:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ea5615e8-f230-11ec-b8fd-db8ca3cdaebb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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      <title>My Parents Loaned Me $15,000 to Get a Bassoon (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01092020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 09 Jan 2020 20:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eaad4390-f230-11ec-b8fd-a34ba1562443/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>A Budget Makes You the Boss of Your Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jan 2020 22:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb023b8e-f230-11ec-b8fd-3b1bb84812b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
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    <item>
      <title>The Secret to Being Rich Is There Is No Secret (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jan 2020 21:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb71c9cc-f230-11ec-b8fd-a3c4469a3c77/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Knowledge Is Powerful, but a Degree Might Be Worthless (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01082020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 08 Jan 2020 20:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ebc55a9c-f230-11ec-b8fd-2751edab9c6a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Being a Dreamer Is Good, but Don't Stop There (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jan 2020 22:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec1aa54c-f230-11ec-b8fd-8b2f04e36fc4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Savings, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Savings, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Pay Attention to FACTS, Not Hearsay! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jan 2020 21:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ec703d0e-f230-11ec-b8fd-4b57bb822abe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Taxes, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Taxes, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Call Rented Money What It Is...DEBT! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01072020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 07 Jan 2020 20:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecc54a88-f230-11ec-b8fd-6b751788854d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Done Properly, Education Is a Great Investment (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jan 2020 22:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed1a0726-f230-11ec-b8fd-b3823b8f4b54/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Make Progress in a Hurricane - Just Try to Survive (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Budgeting, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jan 2020 21:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ed72974c-f230-11ec-b8fd-d335a867cbe5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Budgeting, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Need to Set Goals in These 7 Areas (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01062020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 06 Jan 2020 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/edc8a254-f230-11ec-b8fd-5f60ed51b85d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Power of Focus Overrules Mathematical Blasphemy (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jan 2020 22:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee2489d4-f230-11ec-b8fd-272781617dca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Why You Shouldn't Buy a House With a Roommate (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jan 2020 21:34:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee794ea6-f230-11ec-b8fd-4b56ab435d18/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Baby Steps Theme Hour! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01032020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Savings, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 03 Jan 2020 20:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eed0c60e-f230-11ec-b8fd-e33ea1fe1fc8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Use Our Side Hustle Money? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01022020_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jan 2020 22:34:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef280158-f230-11ec-b8fd-a35fbe8160b1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Set Concrete Barriers When You Spend Money Traveling (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01022020_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jan 2020 21:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef8b1874-f230-11ec-b8fd-fb1bf393a0c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
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      <title>Turn Your Dreams Into Visions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/01022020_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 02 Jan 2020 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/efe5a244-f230-11ec-b8fd-6faf2339f834/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Budgeting, Savings, Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Order of Attack for Retirement Accounts (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/the-order-of-attack-for-retirement-accounts-hour-3</link>
      <description>Retirement, Savings, Budgeting, Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Jan 2020 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f05fa896-f230-11ec-b8fd-a381ed608df9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Budgeting, Insurance, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Budgeting, Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Budgeting, Insurance, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Have to Decide to Be Done With Excuses (Hour 2)</title>
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      <description>Home Buying, Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Jan 2020 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f0cf4b38-f230-11ec-b8fd-673dc4ea4da3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Savings, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Savings, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Leasing a Car Is STUPID! (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/leasing-a-car-is-stupid-hour-1</link>
      <description>Debt, Home Selling, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 01 Jan 2020 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1261f3a-f230-11ec-b8fd-3b35133f197c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Fast Should We Pay Off the House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12312019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Dec 2019 22:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1a19412-f230-11ec-b8fd-739633dbefa6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: Quit Being "Dave-ish" (Hour 2) </title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12312019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Budgeting, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Dec 2019 21:35:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f1f87dc2-f230-11ec-b8fd-1bcb93d8baf6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Budgeting, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do I Manage My Medical Expenses? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12312019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Retirement, Taxes, Home Buying, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 31 Dec 2019 20:35:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f24ed8fc-f230-11ec-b8fd-e3e7b4694dab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Taxes, Home Buying, Insurance, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Taxes, Home Buying, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Retirement, Taxes, Home Buying, Insurance, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>A Crisis Becomes an Inconvenience With an Emergency Fund (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Dec 2019 22:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2a671a2-f230-11ec-b8fd-77c908462360/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2558</itunes:duration>
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      <title>Renting for Life Is Not a Good Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Dec 2019 21:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f2fdef0e-f230-11ec-b8fd-9ba95b0f3565/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Never Buy Extended Warranties! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Dec 2019 20:35:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3592d6a-f230-11ec-b8fd-eb79e784f746/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>The Difference Between Commission and Allowance for Your Kids (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Dec 2019 22:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f3b1ae4a-f230-11ec-b8fd-dfe037dafcaa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How Do I Spend the $400,000 I Won at the Casino? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Dec 2019 21:36:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f409b572-f230-11ec-b8fd-076823784f28/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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    <item>
      <title>The Statistics of Successful Marriages (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Dec 2019 20:30:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f462ffec-f230-11ec-b8fd-bb58e05ff0dd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Budgeting, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Budgeting, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Budgeting, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Is It Time to Change Jobs? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Dec 2019 22:35:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f4bcc324-f230-11ec-b8fd-f33678b42d53/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Savings, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Savings, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Savings, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Real Estate Is NOT the #1 Way to Wealth (Hour 2) </title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Budgeting, Home Selling, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Dec 2019 21:35:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f51401ac-f230-11ec-b8fd-f712097af1f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Budgeting, Home Selling, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Budgeting, Home Selling, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Budgeting, Home Selling, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>How Are You Going to Change in 2020? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Dec 2019 20:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f56846d6-f230-11ec-b8fd-af4d8eaff9e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Retirement, Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>Manage Your Emotions - Don't Let Your Emotions Manage You! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/manage-your-emotions-dont-let-your-emotions-manage-you-hour-3</link>
      <description>Debt, Savings, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Dec 2019 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10912</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5be90ea-f230-11ec-b8fd-f7b597ba0ed5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2584</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You Work as a Team, You Win as a Team (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/when-you-work-as-a-team-you-win-as-a-team-hour-2</link>
      <description>Budget, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Dec 2019 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10911</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6143e28-f230-11ec-b8fd-dbff6205b317/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budget, Savings, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budget, Savings, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budget, Savings, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
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    <item>
      <title>My Husband's Ex-Wife Is Demanding $20,000 (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/my-husbands-ex-wife-is-demanding-20000-hour-1</link>
      <description>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Dec 2019 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10910</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f66a6d0c-f230-11ec-b8fd-df814ca9549b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Hiding From Your Debt - Attack It! (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/stop-hiding-from-your-debt-attack-it-hour-3</link>
      <description>Home Buying, Retirement, Savings, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Dec 2019 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10909</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f6e39c86-f230-11ec-b8fd-bfd39250d74f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Savings, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Savings, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Savings, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
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    <item>
      <title>You Can't Get Out of a Hole While Someone Is Digging Out the Bottom (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/you-cant-get-out-of-a-hole-while-someone-is-digging-out-the-bottom-hour-2</link>
      <description>Debt, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Dec 2019 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10908</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f73957c0-f230-11ec-b8fd-2fb8987a758f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Ask for a Raise (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/how-to-ask-for-a-raise-hour-1</link>
      <description>Career, Home Buying, Retirement, Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Dec 2019 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10907</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7a5423c-f230-11ec-b8fd-6fe7b66b3c96/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Buying, Retirement, Savings, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Buying, Retirement, Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Buying, Retirement, Savings, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Use a Cash Gift to Pay off Debt? (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/should-i-use-a-cash-gift-to-pay-off-debt-hour-3</link>
      <description>Debt, Insurance, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Dec 2019 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10906</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f850fed8-f230-11ec-b8fd-cf94babc29fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Budgeting, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Budgeting, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You CAN Go to Law School or Medical School Debt-Free (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/you-can-go-to-law-school-or-medical-school-debt-free-hour-2</link>
      <description>Home Buying, Savings, Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Dec 2019 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10905</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f8dd988e-f230-11ec-b8fd-47c5e61ff708/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Retirement, Career, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Retirement, Career, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Retirement, Career, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Deeper You Sacrifice, the Faster You Get Out of Debt (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-deeper-you-sacrifice-the-faster-you-get-out-of-debt-hour-1</link>
      <description>Home Selling, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Dec 2019 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10904</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f933daaa-f230-11ec-b8fd-afd1b984085b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Budgeting, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Budgeting, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Annual Christmas Giving Show! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Dec 2019 22:27:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f988f83c-f230-11ec-b8fd-832593c8684b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Generosity, Giving Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Generosity, Giving Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Our New Church Helped Us in Our Time of Need (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Dec 2019 21:37:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f9ddedba-f230-11ec-b8fd-773c7a4eb348/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Generosity, Giving Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Generosity, Giving Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2224</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Generosity Is the Most Fun You Can Have With Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Dec 2019 20:33:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa33156a-f230-11ec-b8fd-3bd265ea6658/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Generosity, Giving Theme Hour  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Generosity, Giving Theme Hour
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Generosity, Giving Theme Hour</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>My Wife Isn't Onboard With Cutting Up Credit Cards (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Dec 2019 22:38:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fa881934-f230-11ec-b8fd-331cc9dfbc15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Buy a House From My Ex-Wife? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Dec 2019 21:33:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fadcd2ee-f230-11ec-b8fd-7b9bc6ceffc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Shortcut to Getting Out of Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Dec 2019 20:33:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fb42cc34-f230-11ec-b8fd-eb6909b3f89b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>YOU Control Your Destiny! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Everyday Millionaire Theme Hour, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Dec 2019 22:38:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fb970b3c-f230-11ec-b8fd-f3e5b6ea1b41/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Everyday Millionaire Theme Hour, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Everyday Millionaire Theme Hour, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Everyday Millionaire Theme Hour, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Active Debt vs. Debt in Collections (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Dec 2019 21:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fbf565f6-f230-11ec-b8fd-cbdded78c88f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>How to Pick a Beneficiary (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Dec 2019 20:33:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fc497380-f230-11ec-b8fd-9795f7a51c6d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2502</itunes:duration>
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      <title>When Is the Right Time to Build a House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Dec 2019 22:38:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fc9da6a8-f230-11ec-b8fd-471d6e704674/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2549</itunes:duration>
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      <title>You Don't Need to Be Perfect to Help Others (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Retirement, Home Buying, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Dec 2019 21:33:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fcf3b49e-f230-11ec-b8fd-dbda93de4ff3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Retirement, Home Buying, Savings, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Retirement, Home Buying, Savings, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Retirement, Home Buying, Savings, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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      <title>Have We Hit the Jackpot? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Budgeting, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Dec 2019 20:33:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fd55cd96-f230-11ec-b8fd-1f808dadf0c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Budgeting, Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Budgeting, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Budgeting, Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2503</itunes:duration>
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      <title>I Have a Family With 4 Kids on a $35,000 Income...Should I File Bankruptcy? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Dec 2019 22:38:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fdaa7616-f230-11ec-b8fd-07915f4b3426/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Such Thing as a Natural-Born Leader (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Dec 2019 21:33:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fe00be90-f230-11ec-b8fd-0b09a5912da6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>How Should I Invest My Inheritance? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Dec 2019 20:33:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fe5711fa-f230-11ec-b8fd-ff199033992f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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      <title>I'm 23 and Debt-Free...Now What? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Dec 2019 22:38:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fead0754-f230-11ec-b8fd-ef95793df09c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
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      <title>How to Settle Huge Medical Bills (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Dec 2019 21:33:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ff040504-f230-11ec-b8fd-2f3e6a1d30a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Debt, Insurance, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Learn to Say "No" to Yourself (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Home Selling, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Dec 2019 20:33:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ff58cf26-f230-11ec-b8fd-e7bd93643b01/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Selling, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Home Selling, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Home Selling, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>My Mother-in-Law Got Roped Into a Loan at 79% Interest! (Hour 3)</title>
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      <description>Budgeting, Debt, Taxes, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Dec 2019 22:38:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ffadc6de-f230-11ec-b8fd-33ac02a6571e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Taxes, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Taxes, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Budgeting, Debt, Taxes, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Business Debt Is the Same As Personal Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Dec 2019 21:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00025a3c-f231-11ec-b8fd-e76e0ee97985/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Budgeting, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Allocate a Bonus (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Investing, Insurance, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Dec 2019 20:33:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/005703fc-f231-11ec-b8fd-3f3bc30d6930/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Investing, Insurance, Budgeting, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Investing, Insurance, Budgeting, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Investing, Insurance, Budgeting, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Should I Move Out of My Parents' House? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Dec 2019 22:38:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/00ab9020-f231-11ec-b8fd-e77a6cbd68e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>Why You Should Pay Your House off Early (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Dec 2019 21:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0124dad4-f231-11ec-b8fd-2337ec9fb7d5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>I Need to Get Back on Track (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Savings, Budgeting, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Dec 2019 20:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01798bec-f231-11ec-b8fd-7f155d5d8440/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Budgeting, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Budgeting, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Budgeting, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Have to Create Your Own Destiny (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Dec 2019 22:38:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/01cd849a-f231-11ec-b8fd-b7e0bf6e290b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Use a Machete to Get Out of Debt, Not a Chisel! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Dec 2019 21:38:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0237745e-f231-11ec-b8fd-d73bf0b766a8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Teachable Moment About Insurance Agents (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Dec 2019 20:33:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/029d83d4-f231-11ec-b8fd-ebcca3a93c22/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Throw a Brick Through the Window of Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Dec 2019 22:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/02f2bd22-f231-11ec-b8fd-e3a23b57132d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2558</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Having a "Why" Helps Remove Stress From Your Life (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Dec 2019 21:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/034765a2-f231-11ec-b8fd-2b5fcce3bc7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Insurance, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Insurance, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off Their $700,000 House at 29! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Dec 2019 20:33:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/039eac2c-f231-11ec-b8fd-af4e575955be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Career, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Create Your Own "I've Had It" Moment  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Dec 2019 22:38:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/03f4b3a6-f231-11ec-b8fd-9f9df3afc5e6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Retirement, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Dream Together, You'll See Results Together (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Dec 2019 21:38:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0448d594-f231-11ec-b8fd-e71fced93dbd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Get Paralysis of the Analysis (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Dec 2019 20:33:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05039b86-f231-11ec-b8fd-1356aa7dbef6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: The Student Loan Program Is an Epic Failure! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Dec 2019 22:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05580b6c-f231-11ec-b8fd-03edb88b9e9d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Don't Have to Be Stuck in the Same Job Forever (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Dec 2019 21:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/05af3d9c-f231-11ec-b8fd-4bd02dac6b5c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Take Care of Your Four Walls Before Addressing Your Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Dec 2019 20:32:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06656b58-f231-11ec-b8fd-63e7c09e5a2e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>Generosity Is the Reason for the Season (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Dec 2019 22:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/06bab7f2-f231-11ec-b8fd-4390a43bf9f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Ken Coleman, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Once You've Climbed a Mountain, a Hill Is Nothing (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Dec 2019 21:37:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/070f69dc-f231-11ec-b8fd-43f98f7f3342/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Emergency Fund Is for Insurance, Not for Investing (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Savings, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Dec 2019 20:32:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0764f19a-f231-11ec-b8fd-f78d0b5918ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings, Home Selling, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings, Home Selling, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Savings, Home Selling, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Never "Afford" to Go Into Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Dec 2019 22:38:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/07bd9af2-f231-11ec-b8fd-7be48a75e813/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Manage Your Money, Not Your Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Dec 2019 21:32:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/081507e2-f231-11ec-b8fd-3f5cfa2a8f16/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Will Your Wake Up Call Be? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Dec 2019 20:32:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/086c9a2a-f231-11ec-b8fd-8f0deebea07d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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      <title>When You're Debt-Free, You Can Take the Job That You Want (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Selling, Debt, Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Dec 2019 22:38:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/08c4bb10-f231-11ec-b8fd-bbb0fe9af2fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Home Buying, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Debt, Home Buying, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>You Can't Get Out of Debt While You Keep Borrowing Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Dec 2019 21:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/091d20d4-f231-11ec-b8fd-830ad8dd24a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Budgeting, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Budgeting, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>They Cleaned Up Over $500,000 of Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/12022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Dec 2019 20:32:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/098f67fc-f231-11ec-b8fd-b3bed3e8c0e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
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    <item>
      <title>Delay Gratification Now so You Can Prosper Later (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/delay-gratification-now-so-you-can-prosper-later-hour-3-112919</link>
      <description>Debt, Savings, Retirement, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Nov 2019 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10855</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09e69b58-f231-11ec-b8fd-bbe9b202c543/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2523</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Winning Without Paying a Price (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/theres-no-winning-without-paying-a-price-hour-2-112919</link>
      <description>Savings, Career, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Nov 2019 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10854</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a455184-f231-11ec-b8fd-738535a7fe3d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Budgeting</itunes:subtitle>
      <itunes:summary>Savings, Career, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Budgeting</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You Start to Care, You'll Become Assertive (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/when-you-start-to-care-youll-become-assertive-hour-1-112919</link>
      <description>Savings, Career, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 29 Nov 2019 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10853</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a9d50b4-f231-11ec-b8fd-23ababd51b1b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Budgeting</itunes:subtitle>
      <itunes:summary>Savings, Career, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Career, Budgeting</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Be Content With Living Like Everyone Else (Hour 3)</title>
      <link>http://draudioarchives.libsyn.com/dont-be-content-with-living-like-everyone-else-hour-3-112819</link>
      <description>Savings, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Nov 2019 22:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10852</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0af826a6-f231-11ec-b8fd-9f4753778f4b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Retirement</itunes:subtitle>
      <itunes:summary>Savings, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Tactics for Helping a Relative With Money (Hour 2)</title>
      <link>http://draudioarchives.libsyn.com/tactics-for-helping-a-relative-with-money-hour-2-112819</link>
      <description>Retirement, Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Nov 2019 22:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10851</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0b4fc442-f231-11ec-b8fd-fbb2a4ab4868/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Career</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>The Math Won't Change Until YOU Change It (Hour 1)</title>
      <link>http://draudioarchives.libsyn.com/the-math-wont-change-until-you-change-it-hour-1-112819</link>
      <description>Budgeting, Savings, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Thu, 28 Nov 2019 21:30:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10850</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0bcc87a2-f231-11ec-b8fd-231067815a9c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Debt</itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Savings, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2464</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You're Always Thankful, You're Always Generous (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Home Selling
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Nov 2019 22:32:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10849</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0c224200-f231-11ec-b8fd-03e2131c4940/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Selling</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Selling
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Home Selling</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Stuff Never Equals Happiness (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Nov 2019 21:37:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10848</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0cc4ac3e-f231-11ec-b8fd-b36b412af3a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Are We Ready to Buy a House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Career, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Wed, 27 Nov 2019 20:32:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10847</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d320cc0-f231-11ec-b8fd-b337bdb1e576/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Career, Home Buying</itunes:subtitle>
      <itunes:summary>Debt, Retirement, Career, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Career, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Don't Gamble Your Savings on Day Trading (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Savings, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Nov 2019 22:38:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10846</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0d88e48c-f231-11ec-b8fd-bf2ec932ddf0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Savings, Debt, Retirement</itunes:subtitle>
      <itunes:summary>Chris Hogan, Savings, Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Savings, Debt, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You Can't Fix a Behavior Problem With a Math Solution (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Nov 2019 21:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10845</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0ddfabc8-f231-11ec-b8fd-bba9246a0a07/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Home Buying</itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Home Buying
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Home Buying</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Should I Save for a Potential Government Shutdown? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Tue, 26 Nov 2019 20:32:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10844</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0e361f94-f231-11ec-b8fd-33f226725145/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings</itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Savings</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Take Social Security as a Lump Sum? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Nov 2019 22:37:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10843</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0e8d751e-f231-11ec-b8fd-e7aa8be2816d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement</itunes:subtitle>
      <itunes:summary>Debt, Retirement
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Think of the Budget Like a Contract With Your Spouse (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Nov 2019 21:32:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10842</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0ee4d52a-f231-11ec-b8fd-3be7c16d86b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career</itunes:subtitle>
      <itunes:summary>Debt, Career
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Career</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Rationalizing Your Money Habits (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Savings, Taxes
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Mon, 25 Nov 2019 20:32:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10841</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0f3eb0ea-f231-11ec-b8fd-bbee817bd5e2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Taxes</itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Taxes
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Savings, Taxes</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Emergency Fund Is Murphy Insurance (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 22 Nov 2019 22:37:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0f959ff4-f231-11ec-b8fd-dfa826b056ba/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Downgrade Your Lifestyle to Upgrade Your Future (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 22 Nov 2019 21:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1009b876-f231-11ec-b8fd-175462426940/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Get MAD to Get Out of Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 22 Nov 2019 20:32:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/106290b8-f231-11ec-b8fd-bb82c5ac1f07/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Car Payments Are Straight Up Stupid! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11212019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Home Buying, Insurance, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 Nov 2019 22:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/10ddc864-f231-11ec-b8fd-67e2e5ac8f07/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying, Insurance, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying, Insurance, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Home Buying, Insurance, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Order of Priority for Retirement Accounts (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11212019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 Nov 2019 21:35:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/11388e5c-f231-11ec-b8fd-f334ec133cfe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Budgeting, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Budgeting, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Budget Is Your Map to Win Land (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11212019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 21 Nov 2019 20:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/11903f94-f231-11ec-b8fd-cf828332588f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Budgeting, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Budgeting, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Debt, Budgeting, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Find the Career That YOU Want, Not What Your Parents Want (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Ken Coleman, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 20 Nov 2019 22:38:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/12071628-f231-11ec-b8fd-e3ee87b81e0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Ken Coleman, Career</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Own Your House - Don't Let Your House Own You! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Retirement, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 20 Nov 2019 21:35:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/125fa3b0-f231-11ec-b8fd-63f8bcf1311d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Retirement, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Stupidity in Your Past Does Not Define Your Future! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 20 Nov 2019 20:47:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/12b97e1c-f231-11ec-b8fd-530b46afe212/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Taxes  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Taxes
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Taxes</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Suffering From a Lack of Discipline (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Business, Savings, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 Nov 2019 22:38:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13499bb4-f231-11ec-b8fd-cbde77ea89a1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Savings, Investing  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Savings, Investing
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Savings, Investing</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Sell Home to Pay Off Daughter’s Student Loan? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Business, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 Nov 2019 21:36:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13a3e9d4-f231-11ec-b8fd-632026b80771/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Business, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Stay in School or Not? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Marriage, Debt, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 19 Nov 2019 20:31:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/13fbbc0e-f231-11ec-b8fd-7339889735e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Marriage, Debt, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Marriage, Debt, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Marriage, Debt, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Need Advice Planning Wedding Budget (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 Nov 2019 22:33:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1480de0c-f231-11ec-b8fd-533defa61557/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Former U.S. Ambassador to the United Nations (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Nikki Haley, Education, Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 Nov 2019 21:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/150f9ec6-f231-11ec-b8fd-a3aae8108201/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Nikki Haley, Education, Investing, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Nikki Haley, Education, Investing, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nikki Haley, Education, Investing, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do We Get Back on Track? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 18 Nov 2019 20:31:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1567bf52-f231-11ec-b8fd-f7db61a6c49f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2445</itunes:duration>
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      <title>When a Storm Is Coming, Pause the Baby Steps (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11152019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 Nov 2019 22:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/15c05478-f231-11ec-b8fd-1fa52f69182b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>What to Do With an Inherited House (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11152019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 Nov 2019 21:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/16183058-f231-11ec-b8fd-0f23f958ff91/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: Paying Cash for School Is Not Privilege! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 15 Nov 2019 20:31:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/166ff306-f231-11ec-b8fd-6b06f78a8a29/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>A Car Allowance Doesn't Give You Permission to Get a Car Payment (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11142019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Insurance, Budgeting, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 Nov 2019 22:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/16df9332-f231-11ec-b8fd-3b4f81c5bf1c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance, Budgeting, Retirement, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Insurance, Budgeting, Retirement, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Insurance, Budgeting, Retirement, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Having a Strong Support System Will Help You Win (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11142019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 Nov 2019 21:35:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/173f1cc6-f231-11ec-b8fd-177de77b57d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement, Home Buying, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Get Rid of an Underwater Car (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11142019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 14 Nov 2019 20:31:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17961864-f231-11ec-b8fd-87891c66311f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Insurance, Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Regardless of Your Background, You Have the Opportunity to Build Wealth! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Everyday Millionaire Theme Hour, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 Nov 2019 22:38:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17ec835c-f231-11ec-b8fd-2b7c81758119/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Everyday Millionaire Theme Hour, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Everyday Millionaire Theme Hour, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Everyday Millionaire Theme Hour, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>FICO Is the Name of a Dog Chasing Its Tail! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 Nov 2019 21:35:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/184762a4-f231-11ec-b8fd-93c6cbdcc676/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Don't Choose a Career Exclusively Based on Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Taxes, Home Buying, Insurance, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 13 Nov 2019 20:31:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/18b7a03c-f231-11ec-b8fd-df3e44c7ba3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Home Buying, Insurance, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Taxes, Home Buying, Insurance, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes, Home Buying, Insurance, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Acts of Generosity Motivate Others to Be Generous (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 Nov 2019 22:38:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19179988-f231-11ec-b8fd-435832b6b628/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Retirement, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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    <item>
      <title>When You Have Ability, You Create Your Own Security (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Home Buying, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 Nov 2019 21:35:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19802ba6-f231-11ec-b8fd-33b651a295ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Retirement, Home Buying, Career</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>Advice for Budgeting While Living in a Foreign Country (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 12 Nov 2019 20:31:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/19d8bf8c-f231-11ec-b8fd-6f7546f1f772/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Retirement, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Retirement, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Retirement, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>Diligence Is Rewarded With Prosperity (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 Nov 2019 22:38:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1a5bce0e-f231-11ec-b8fd-97fa91483548/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Your Finances Are Reformed, Your Heart Is Too (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Taxes 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 Nov 2019 21:35:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1aca1d1e-f231-11ec-b8fd-37f6d3c5e6e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Taxes   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Taxes 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Taxes </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>The Mountain You're Facing Won't Climb Itself! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 11 Nov 2019 20:31:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b1e81e2-f231-11ec-b8fd-e3e307b824fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Insurance, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Insurance, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Career, Insurance, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Don't Be So Smart That You're Unwise  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 Nov 2019 22:38:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1b981bce-f231-11ec-b8fd-8fa9a05c4ae0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Debt, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What's Your Long-Term Game Plan? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 Nov 2019 21:35:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1bed547c-f231-11ec-b8fd-2b9a54c549ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Selling  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Selling
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Savings, Debt, Home Selling</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
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    <item>
      <title>Find a Way to Create Margin to Go to School Debt-Free (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11082019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 08 Nov 2019 20:31:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c42e716-f231-11ec-b8fd-a78cc11978e3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Insurance  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Insurance
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying, Insurance</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>Don't Live the American Nightmare (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11072019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 Nov 2019 22:38:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1c980ee4-f231-11ec-b8fd-efb1ef0a7cd0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Savings, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Savings, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Home Buying, Retirement, Savings, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Be Successful Without an Ivy League Degree! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11072019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Anthony ONeal, Career, Debt, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 Nov 2019 21:35:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1ced0b10-f231-11ec-b8fd-835b2604691c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Anthony ONeal, Career, Debt, Savings Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Anthony ONeal, Career, Debt, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p> Ken Coleman, Anthony ONeal, Career, Debt, Savings</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Piling Up on Degrees Does Not Equal Job Security! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11072019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Retirement, Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 07 Nov 2019 20:31:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d4338fa-f231-11ec-b8fd-cf03442ca253/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Debt, Budgeting, Savings  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Debt, Budgeting, Savings
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Career, Retirement, Debt, Budgeting, Savings</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Ride the Market Waves - Don't Get Crushed by Them! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 Nov 2019 22:38:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e14ae12-f231-11ec-b8fd-9fd552a8e9d6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Career  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Career
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Insurance, Debt, Career</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Annuities Explained (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 Nov 2019 21:35:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1e6a1852-f231-11ec-b8fd-0f0597e772b8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Savings, Retirement, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Car Payment Is the Mantra of the Middle Class (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 06 Nov 2019 20:31:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1ebea8c2-f231-11ec-b8fd-1f5954d90b78/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Savings, Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's NEVER a Reason to Get Whole Life Insurance (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Savings, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 Nov 2019 22:38:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f13e684-f231-11ec-b8fd-07bedcaeff5e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Savings, Taxes, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Savings, Taxes, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Insurance, Savings, Taxes, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get Your Head and Heart Aligned on Career Choice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Debt, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 Nov 2019 21:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1fc7591c-f231-11ec-b8fd-b7afe74335a8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Debt, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Debt, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p> Ken Coleman, Debt, Career</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Powerful Generosity Story (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 05 Nov 2019 20:31:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/201bf9f4-f231-11ec-b8fd-87f6726b42ee/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Insurance, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Participate in Your Family's Crazy! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 Nov 2019 22:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2071b8d0-f231-11ec-b8fd-ff5a41b17396/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Insurance, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Buying a Car vs. Leasing a Car (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Home Buying, Budgeting
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 Nov 2019 21:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/20c8399e-f231-11ec-b8fd-cb8ae724ae47/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying, Budgeting Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying, Budgeting
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p> Debt, Insurance, Home Buying, Budgeting</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0812a91f8ecfe3c32817446f435ee14c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7453684307.mp3?updated=1655908720" length="0" type="audio/mpeg"/>
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    <item>
      <title>I Have $1 Million in Student Loan Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Home Buying, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 04 Nov 2019 20:31:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/211d04b0-f231-11ec-b8fd-17f7c2d807bb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Retirement, Budgeting  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Retirement, Budgeting
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Savings, Home Buying, Retirement, Budgeting</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>There Is Power in Being Proactive (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 Nov 2019 21:38:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22f8d0f2-f231-11ec-b8fd-2fc3791f4a73/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Home Buying</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b6c46429e1760567aa832e5a5e2a1176]]></guid>
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    <item>
      <title>These Debt-Free Screamers Paid Off $402,000! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 Nov 2019 20:35:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/235070be-f231-11ec-b8fd-63c894269012/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Debt, Home Buying </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[facafda3bf222ae6ea90aeff2d7a97fe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5917560855.mp3?updated=1655908718" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sometimes It Takes a Village to Assassinate Sallie Mae (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/11012019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Insurance, Retirement, Debt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 01 Nov 2019 19:31:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/23c15b9e-f231-11ec-b8fd-7f4d3069023f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Insurance, Retirement, Debt   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Insurance, Retirement, Debt 
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Home Selling, Insurance, Retirement, Debt </p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Save for My Son After Getting a $150 Million Settlement? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10312019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 31 Oct 2019 21:38:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2416eea6-f231-11ec-b8fd-f3a44a957e53/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p> Debt, Savings</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Look Through Your Windshield, Not Your Rear-View Mirror (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10312019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance, Home Buying
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 31 Oct 2019 20:35:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/246befaa-f231-11ec-b8fd-035e16c6d66c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Home Buying
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p> Debt, Insurance, Home Buying</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Accept a Deed to Dramaville!  (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10312019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Savings, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 31 Oct 2019 19:31:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/24c5f1bc-f231-11ec-b8fd-bbee5cf5a88f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Home Selling, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Home Selling, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Budgeting, Savings, Home Selling, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>Advice for Teaching Your Kid About Investing (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Home Buying, Budgeting, Debt
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 30 Oct 2019 21:38:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25217d0c-f231-11ec-b8fd-7b46372898a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Budgeting, Debt Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:      </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Budgeting, Debt
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p> Savings, Home Buying, Budgeting, Debt</p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The History of the Debt-Free Scream (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Budgeting, Retirement, Savings
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </description>
      <pubDate>Wed, 30 Oct 2019 20:35:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25767190-f231-11ec-b8fd-fbef23b39ecb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Budgeting, Retirement, Savings Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network:      </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Budgeting, Retirement, Savings
 Tools to get you started: 
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR     </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Budgeting, Retirement, Savings</p> <p>Tools to get you started: </p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>     </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Own the "Personal" Part of Personal Finance (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Insurance, Home Buying, Savings, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 30 Oct 2019 19:31:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25e56230-f231-11ec-b8fd-8b71f6ac27bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Insurance, Home Buying, Savings, Budgeting, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Insurance, Home Buying, Savings, Budgeting, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Selling, Insurance, Home Buying, Savings, Budgeting, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You Enable Someone, You Aren't Helping Them (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Oct 2019 21:38:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2639f8ae-f231-11ec-b8fd-c379dd3485ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Same Plan Works For EVERYONE, Including Millionaires (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Oct 2019 20:35:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26969c26-f231-11ec-b8fd-77b36a9ddedf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Home Selling Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Retirement, Debt, Home Selling <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2440</itunes:duration>
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      <title>Don't Play the Student Loan Forgiveness Lottery! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10292019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Home Buying, Retirement, Home Selling, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 29 Oct 2019 19:31:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/26ec86f4-f231-11ec-b8fd-773b3aa54253/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Retirement, Home Selling, Debt   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Retirement, Home Selling, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Home Buying, Retirement, Home Selling, Debt   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2503</itunes:duration>
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      <title>What Do I Do With $158,000 of Gifted Stocks? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Home Buying, Retirement, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Oct 2019 22:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2740e8ca-f231-11ec-b8fd-17dbad8ed0f2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Retirement, Debt   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Retirement, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Home Buying, Retirement, Debt   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Slow and Steady Wins the Race to Get Out of Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Oct 2019 20:35:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2796c70e-f231-11ec-b8fd-876b4ae30430/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Selling Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Savings, Home Selling <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Transform Your Heart While You Transform Your Finances (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10282019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 28 Oct 2019 19:31:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/27ec698e-f231-11ec-b8fd-475c0d5cc0e9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Career   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>You Can't Fix Something by Denying It! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Taxes, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Oct 2019 21:38:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/28454d2e-f231-11ec-b8fd-f700e466317f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Taxes, Savings   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Taxes, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Debt, Taxes, Savings   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Tragedy Doesn't Have to Slow You Down (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Oct 2019 20:35:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/289c18fc-f231-11ec-b8fd-1b839e3767a1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Budgeting, Debt, Home Buying <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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      <title>Comparison Is the Thief of Joy (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 25 Oct 2019 19:30:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29062058-f231-11ec-b8fd-f378f8e1cf92/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>The Difference Between Employees and Team Members (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>EntreLeadership Theme Hour, Career, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Oct 2019 21:38:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/295b48d0-f231-11ec-b8fd-dfe9e36740bf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>EntreLeadership Theme Hour, Career, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>EntreLeadership Theme Hour, Career, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[EntreLeadership Theme Hour, Career, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The More Options You Have, the More Power You Have (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Home Buying, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Oct 2019 20:35:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29ba9d12-f231-11ec-b8fd-bbc938457c7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Debt Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Budgeting, Home Buying, Debt <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Lose a Few Battles so You Can Win the War (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Career, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 24 Oct 2019 19:31:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a0e7202-f231-11ec-b8fd-b745c0d7a12b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Career, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: The Socioeconomic Sequence for Success (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Budgeting, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Oct 2019 21:38:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2a62b038-f231-11ec-b8fd-2b3ef5b3195a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Savings   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Budgeting, Savings   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Attack the Scholarship Search (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Oct 2019 20:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2ab671dc-f231-11ec-b8fd-1fc2418d3638/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Home Buying <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Only Sell Your House as a Last Resort! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Budgeting, Home Selling, Insurance, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 23 Oct 2019 19:35:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b0b123c-f231-11ec-b8fd-0f7fcaecf19f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Budgeting, Home Selling, Insurance, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Budgeting, Home Selling, Insurance, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Budgeting, Home Selling, Insurance, Home Buying   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>5 Biblical Financial Principals (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Insurance Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Oct 2019 21:37:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2b606368-f231-11ec-b8fd-5b9925fc4fc2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Insurance Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career, Insurance Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Career, Insurance <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Have a Vision If You Want to Be Successful (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Oct 2019 20:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bb902fc-f231-11ec-b8fd-13b88c64dcb9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Savings   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Savings   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When You Get Out of Debt, Don't Go Back In! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Insurance, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 22 Oct 2019 19:30:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c392810-f231-11ec-b8fd-272461bd70c3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Insurance, Retirement   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Insurance, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Budgeting, Insurance, Retirement   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They're 32 Years Old With a Paid for House! It IS Possible! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying   Tools to get you started:     Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Oct 2019 21:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2c8d6a2e-f231-11ec-b8fd-d7a46d5f2a8a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying   Tools to get you started:     Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying   Tools to get you started:    <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Community Support Is a Game Changer When You're Working the Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Oct 2019 20:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2ce19126-f231-11ec-b8fd-7f21da4372d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Home Buying, Retirement, Debt <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Changing Your Comparison Mindset Will Help You Win (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10212019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Debt, Taxes, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 21 Oct 2019 19:30:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2d359104-f231-11ec-b8fd-3bc865c693a4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Taxes, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Taxes, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Debt, Taxes, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Do I Buy a House for the First Time? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Real Estate, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Oct 2019 21:37:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2d8a8902-f231-11ec-b8fd-e3eaf22ad009/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Real Estate, Debt   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Real Estate, Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Real Estate, Debt   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Wife Hid $90,000 in Debt From Me (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Real Estate Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Oct 2019 20:34:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2ddf08e2-f231-11ec-b8fd-c3e3d64d30f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Real Estate Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Real Estate Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Real Estate <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How Can I Apply These Principles to My Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Business, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 18 Oct 2019 19:30:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2e32fb46-f231-11ec-b8fd-530ddc8bd812/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Business, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Business, Career
 Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Business, Career</p> <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How They Did It and What They’re Doing Now (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Millionaire Theme Hour   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Oct 2019 21:37:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2e870ba0-f231-11ec-b8fd-9771648b1eb7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Millionaire Theme Hour   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Millionaire Theme Hour   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Millionaire Theme Hour   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Do I Even NEED a Job Anymore? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Budget Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Oct 2019 20:35:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2edc00ec-f231-11ec-b8fd-1f9657ee77a0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Budget Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Budget Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Retirement, Budget <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Laid Off, What’s My Next Step to Get Back on Track? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Real Estate   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 17 Oct 2019 19:35:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2f390422-f231-11ec-b8fd-fbf35d9ef095/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Real Estate   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Real Estate   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Real Estate   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Thinking You’ll Beat the Banks Makes You Stupid, Not Sophisticated (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Investing, Debt, Retirement Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Oct 2019 21:37:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2f8e4324-f231-11ec-b8fd-679079a9a64c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Investing, Debt, Retirement Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Investing, Debt, Retirement Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Investing, Debt, Retirement <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It’s a Compliment When Dave Calls You Weird. Because Normal Is Broke. (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Oct 2019 20:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2fe2dbdc-f231-11ec-b8fd-2f7062a30977/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Career   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Go Into an Apprenticeship Program? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Career, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 16 Oct 2019 19:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30513b5e-f231-11ec-b8fd-9723f425e53c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Career, Retirement   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Change the Habits That Created the Financial Mess (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Oct 2019 21:37:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/30ab23da-f231-11ec-b8fd-43d36a7b5ece/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Savings   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Change Jobs to Get One With Better Money? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Oct 2019 20:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/312a8c7e-f231-11ec-b8fd-af9c4999b2b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Ken Coleman, Career   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let Your Parent Be a Travel Agent for Guilt Trips! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Taxes   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 15 Oct 2019 19:32:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/31848d5a-f231-11ec-b8fd-e3ea7d38c506/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Taxes   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Taxes   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Taxes   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Learn to Be Content With What You Have (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Oct 2019 21:37:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/31e226a4-f231-11ec-b8fd-2387bd4aa523/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Budgeting, Debt, Home Buying <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Loan Your Family Members Money! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Oct 2019 20:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/323a4a6e-f231-11ec-b8fd-e7019bd1f317/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Following the Plan Can Improve Your Marriage, Not Just Your Money (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10142019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 14 Oct 2019 19:32:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/329288aa-f231-11ec-b8fd-4bfd57dca471/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Retirement</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Repeat Your Old Money Mistakes (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Oct 2019 21:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/32ff2b4a-f231-11ec-b8fd-6311b1189821/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Never Put Money in Something You Don't Understand (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Oct 2019 20:34:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3355838c-f231-11ec-b8fd-bb088744c2ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Home Buying, Debt <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Emergency Fund Is Murphy Repellent (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 11 Oct 2019 19:32:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/33ac5bbc-f231-11ec-b8fd-bb13fb80f571/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Pay for Your Education 20 Years Later! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Oct 2019 21:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3403d5c2-f231-11ec-b8fd-3f4648976211/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Savings   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Becoming Debt-Free Gives You Hope for the Future (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Home Buying, Insurance, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Oct 2019 20:34:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/345b7d90-f231-11ec-b8fd-eb1b7fc5483c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying, Insurance, Home Selling Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying, Insurance, Home Selling Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Savings, Debt, Home Buying, Insurance, Home Selling <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Life Does Not Consist of Just the House You Live In (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 10 Oct 2019 19:32:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/34b4445c-f231-11ec-b8fd-4f63c1e2a046/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Home Buying   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Formula for Refinancing (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Home Selling   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Oct 2019 21:37:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3510d460-f231-11ec-b8fd-eb97ea48b269/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Home Selling   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Home Selling   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Home Selling   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Have to Forgive Yourself to Move Forward (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Oct 2019 20:34:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/356a4216-f231-11ec-b8fd-8b8c7a62c49d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Career <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Borrowing Money in Small Business Is Suicide! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 09 Oct 2019 19:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/35c0c4ec-f231-11ec-b8fd-97797b014dca/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Career   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
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    <item>
      <title>Don't Spend Your Life Working a Job You Hate! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Ken Coleman, Debt, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Oct 2019 21:37:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36178002-f231-11ec-b8fd-effaba777680/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Ken Coleman, Debt, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Ken Coleman, Debt, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Anthony ONeal, Ken Coleman, Debt, Career <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Buying Things If You Want to Clean Up Your Mess! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Oct 2019 20:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/366e7cea-f231-11ec-b8fd-33ed57f5acde/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Debt, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
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    <item>
      <title>How to Balance Giving and Providing for Your Family (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10082019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Budgeting, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 08 Oct 2019 19:32:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/36c5ce50-f231-11ec-b8fd-138a9bcb446c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting, Retirement   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Budgeting, Retirement   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Be Ready to Tell Yourself "No" If You Want to Win (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Insurance, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Oct 2019 21:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/371ecc58-f231-11ec-b8fd-73051a4d8084/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Insurance, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
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    <item>
      <title>Take Debt off the Table! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Budgeting, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Oct 2019 20:34:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/377dcbe0-f231-11ec-b8fd-1b8541d5e99f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Savings, Budgeting, Debt <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Overpay for Your Education (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10072019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement, Home Selling     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 07 Oct 2019 19:32:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/37e1d144-f231-11ec-b8fd-23de833ab816/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Selling     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Selling     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Home Selling     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>An International Debt-Free Scream! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Retirement, Debt, Savings   Tools to get you started:   Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Oct 2019 21:37:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/383b9e18-f231-11ec-b8fd-474e2aae9d21/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Retirement, Debt, Savings   Tools to get you started:   Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Budgeting, Retirement, Debt, Savings   Tools to get you started:   Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Retirement, Debt, Savings   Tools to get you started:  <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>When Your Money Priorities Aren't Aligned, Your Marriage Isn't Aligned (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Retirement, Home Selling
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Oct 2019 20:35:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/389325de-f231-11ec-b8fd-7b3ec650fb1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement, Home Selling Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement, Home Selling
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Retirement, Home Selling</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Be Intentional About Your Education (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Insurance, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 04 Oct 2019 19:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10733</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/38eabb5a-f231-11ec-b8fd-3f5d9f6cf709/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance, Budgeting Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out other podcasts in the Ramsey Network: </itunes:subtitle>
      <itunes:summary>Debt, Insurance, Budgeting
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance, Budgeting</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Won't Win as a Leader Unless You Love People (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Oct 2019 21:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3943bec6-f231-11ec-b8fd-8b81e8726d1c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Savings, Debt, Home Buying <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Teach Your Kids About Money (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Budgeting, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Oct 2019 20:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/399bba4a-f231-11ec-b8fd-0738dcd070c6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Budgeting, Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Make Major Life Decisions by Yourself (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 03 Oct 2019 19:32:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/39f4b078-f231-11ec-b8fd-f7355a16f5e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Learn When to Let Your Foot off the Gas (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Selling, Budgeting, Savings, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Oct 2019 21:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3a587c5c-f231-11ec-b8fd-c7fb6a765be1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Budgeting, Savings, Home Buying     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Budgeting, Savings, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Selling, Budgeting, Savings, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Break the Family Cycle of Bad Money Habits (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Budgeting, Home Selling, Insurance   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Oct 2019 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3ab115ba-f231-11ec-b8fd-cf0b8acd1fc0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Budgeting, Home Selling, Insurance   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Budgeting, Home Selling, Insurance   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Savings, Budgeting, Home Selling, Insurance   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Do I Do With My Failing Business? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 02 Oct 2019 19:32:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3b093b5a-f231-11ec-b8fd-dbee474cbb4b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt  Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt
  Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Home Buying, Debt</p>  <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Pause My Debt Snowball While Changing Jobs? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Oct 2019 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3b614994-f231-11ec-b8fd-cb1db027bab0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Budgeting     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Don't Get Caught Up in Consumerism Culture (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Oct 2019 20:34:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3bb86954-f231-11ec-b8fd-df6e5d64c4fe/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Savings, Debt <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
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      <title>How to Deal With Financial Infidelity (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/10012019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Home Selling, Savings     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 01 Oct 2019 19:32:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c122318-f231-11ec-b8fd-33cc6ac3d4de/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Selling, Savings     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Selling, Savings     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Home Selling, Savings     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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    <item>
      <title>You Can't Control Congress but You CAN Control YOUR Decisions (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Retirement, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Sep 2019 21:37:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3c6cbc60-f231-11ec-b8fd-2fd07647dc8c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Budgeting   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Budgeting   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Career, Retirement, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Don't Carry a Mortgage Going Into Retirement (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Debt, Retirement Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Sep 2019 20:34:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3ce1052a-f231-11ec-b8fd-277b2aa79672/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Retirement Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Retirement Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Anthony ONeal, Debt, Retirement <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Make Sure Your Degree Has a Return on Investment! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 30 Sep 2019 19:32:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d445cf6-f231-11ec-b8fd-a77c5891bf43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Partnership Is the Only Ship That Won't Sail (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Sep 2019 21:37:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d9e14ee-f231-11ec-b8fd-23b26968a617/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Budgeting     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Savings, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Can Work AND Go to School at the Same Time (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Selling, Home Buying, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Sep 2019 20:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3df589d6-f231-11ec-b8fd-2b9df5bfc457/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Home Buying, Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Home Buying, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Selling, Home Buying, Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
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    <item>
      <title>You Have to Deny Yourself in Order to Win (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Savings, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 27 Sep 2019 19:32:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3e4d378a-f231-11ec-b8fd-c3f94767674a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Savings, Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>Don't Make Fear-Based Decisions When Investing (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Sep 2019 21:37:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3ea4a704-f231-11ec-b8fd-d7f337c728b7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You Won't Get Hurt on a Roller Coaster Unless You Jump Out (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Budgeting, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Sep 2019 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3efdbe66-f231-11ec-b8fd-0b88cf5d2d48/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Budgeting, Career   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Budgeting, Career   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Retirement, Budgeting, Career   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>You DON'T Have to Have a Car Payment (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Budgeting, Home Selling     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 26 Sep 2019 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3f54c4ae-f231-11ec-b8fd-573d9c4b2781/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Budgeting, Home Selling     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Budgeting, Home Selling     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Budgeting, Home Selling     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The First Student Loan Theme Hour! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Education, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Sep 2019 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3fac77c6-f231-11ec-b8fd-57e19bd8e889/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Education, Debt     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Education, Debt     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Anthony ONeal, Education, Debt     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Get Happiness and Fun Confused (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Max Lucado, Debt, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Sep 2019 20:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/400667cc-f231-11ec-b8fd-4311c8679ba8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Max Lucado, Debt, Home Buying   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Max Lucado, Debt, Home Buying   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Max Lucado, Debt, Home Buying   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Borrower Is Slave to the Lender - Even If the Lender Is Family (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 25 Sep 2019 19:32:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/405e5392-f231-11ec-b8fd-67600aca2d67/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Where You're Going That Matters, Not Where You Came From (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Insurance, Debt, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Sep 2019 21:37:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/40b5c53c-f231-11ec-b8fd-973786756edc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Budgeting     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Budgeting     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Insurance, Debt, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Life Is Too Short to Live for the Weekend! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Sep 2019 20:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/410e036e-f231-11ec-b8fd-dbde6f3dd3e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Ken Coleman, Career <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Where Do You Want to See Yourself in 20 Years? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Saving, Home Buying, Career, Budgeting, Retirement     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 24 Sep 2019 19:32:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/41668822-f231-11ec-b8fd-c3e15066d135/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Saving, Home Buying, Career, Budgeting, Retirement     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Saving, Home Buying, Career, Budgeting, Retirement     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Saving, Home Buying, Career, Budgeting, Retirement     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>They Fought Debt and Cancer at the Same Time! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Sep 2019 21:37:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/41e4a78e-f231-11ec-b8fd-6b1580fe684c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Stop Looking for the Easy Way Out (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Anthony ONeal, Debt, Budgeting, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Sep 2019 20:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4242dcc8-f231-11ec-b8fd-7b3495579385/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Anthony ONeal, Debt, Budgeting, Retirement   Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Anthony ONeal, Debt, Budgeting, Retirement   Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Chris Hogan, Anthony ONeal, Debt, Budgeting, Retirement   <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Stay Allergic to Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Rachel Cruze, Debt, Insurance     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 23 Sep 2019 19:32:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/429bf894-f231-11ec-b8fd-cf261875e14d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Rachel Cruze, Debt, Insurance     Tools to get you started:     Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Rachel Cruze, Debt, Insurance     Tools to get you started: 
    Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Chris Hogan, Rachel Cruze, Debt, Insurance     <p>Tools to get you started: </p>   <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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      <title>Untangle the Emotions Tied to a Bad Insurance Product (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Insurance   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Sep 2019 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/42f4985a-f231-11ec-b8fd-8b0ca0f9bdeb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Insurance   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Insurance   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Savings, Insurance   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2468</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>How to Scale Your Business (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Anthony ONeal, Career, Debt, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Sep 2019 20:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/435070d0-f231-11ec-b8fd-d3f72f6c66eb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Anthony ONeal, Career, Debt, Budgeting     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Ken Coleman, Anthony ONeal, Career, Debt, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Ken Coleman, Anthony ONeal, Career, Debt, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>Don't Do Things That Delay Your Dreams (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Budgeting, Home Buying, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 20 Sep 2019 19:32:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/43a81254-f231-11ec-b8fd-037f6ccdc458/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Budgeting, Home Buying, Savings     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Budgeting, Home Buying, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Chris Hogan, Debt, Budgeting, Home Buying, Savings     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2534</itunes:duration>
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      <title>A Rundown on Tiny House Economics (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Sep 2019 21:37:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/43ff5fa0-f231-11ec-b8fd-8b09b6b18e25/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[ Debt, Home Buying   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2527</itunes:duration>
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      <title>Don't Rationalize Business Debt! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Debt, Home Buying, Insurance     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Sep 2019 20:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4457352c-f231-11ec-b8fd-bbf42750d615/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Home Buying, Insurance     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Home Buying, Insurance     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Chris Hogan, Debt, Home Buying, Insurance     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2466</itunes:duration>
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      <title>Living Below Your Means Is Critical to Success (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Savings, Debt, Home Selling, Home Buying      Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 19 Sep 2019 19:32:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/44aea500-f231-11ec-b8fd-9b8480694c75/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Debt, Home Selling, Home Buying      Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Debt, Home Selling, Home Buying      Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Budgeting, Savings, Debt, Home Selling, Home Buying      <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2473</itunes:duration>
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      <title>FICO Is NOT Your Savior! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Sep 2019 21:37:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/450625be-f231-11ec-b8fd-33b1f8e31087/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Debt, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2469</itunes:duration>
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      <title>Is $1 Million Enough to Retire? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Home Buying, Retirement   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Sep 2019 20:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/455e1c2e-f231-11ec-b8fd-4f82692043b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Home Buying, Retirement   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Chris Hogan, Home Buying, Retirement   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[ Chris Hogan, Home Buying, Retirement   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2526</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Getting Out of Debt Is About Momentum, Not Math (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Rachel Cruze, Debt, Budgeting, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 18 Sep 2019 19:32:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/45bc9a7e-f231-11ec-b8fd-c73c5c2215e8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Rachel Cruze, Debt, Budgeting, Savings     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Chris Hogan, Rachel Cruze, Debt, Budgeting, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Chris Hogan, Rachel Cruze, Debt, Budgeting, Savings     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Don't Worry About Market Ups and Downs - Focus on the Long Run (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Everyday Millionaire Theme Hour, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Sep 2019 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46159b9c-f231-11ec-b8fd-7f770da9b20b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Everyday Millionaire Theme Hour, Savings     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Chris Hogan, Everyday Millionaire Theme Hour, Savings     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Chris Hogan, Everyday Millionaire Theme Hour, Savings     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
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    <item>
      <title>What to Do With an Inherited IRA (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Savings, Home Selling, Retirement, Insurance   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Sep 2019 20:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4672b098-f231-11ec-b8fd-c7bda804b5e0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Selling, Retirement, Insurance   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Selling, Retirement, Insurance   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Debt, Savings, Home Selling, Retirement, Insurance   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2470</itunes:duration>
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    <item>
      <title>More Intentionality Can Lead to More Income (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Career, Savings, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 17 Sep 2019 19:32:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/46cdb9e8-f231-11ec-b8fd-1b5e152d4a72/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Career, Savings, Budgeting     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Career, Savings, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Debt, Home Selling, Career, Savings, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2533</itunes:duration>
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      <title>You Can Break the Cycle of Student Loan Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Career, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Sep 2019 21:37:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47250522-f231-11ec-b8fd-1f790ab1cc96/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Career, Home Buying     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Debt, Career, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Career, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2528</itunes:duration>
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      <title>Your Only Job Security Is YOU (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Debt, Home Buying, Career   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Sep 2019 20:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/478f15e8-f231-11ec-b8fd-0b694ca1b77c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt, Home Buying, Career   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt, Home Buying, Career   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[ Home Buying, Retirement, Debt, Home Buying, Career   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Don't Take a Monetary "Gift" If There Are Strings Attached (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Taxes, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 16 Sep 2019 19:32:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/47ea3036-f231-11ec-b8fd-7f1467a62d51/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Taxes, Budgeting     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:  ...</itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Taxes, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Debt, Home Buying, Taxes, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2475</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Separate Your Wants and Needs If You Want to Win (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Home Buying, Debt     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Sep 2019 21:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48452e0a-f231-11ec-b8fd-537605df5926/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Buying, Debt     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Retirement, Home Buying, Debt     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Retirement, Home Buying, Debt     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2468</itunes:duration>
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      <title>When You're Focused, It's Amazing What You Can Do (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Budgeting   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Sep 2019 20:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/489fc946-f231-11ec-b8fd-c3d71075bfac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Budgeting   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Budgeting   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[ Home Buying, Retirement, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2525</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Don't Cash Out Your Retirement to Fund a Wedding (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 13 Sep 2019 19:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/48f8f0a2-f231-11ec-b8fd-2f96cd6c98ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out...</itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2474</itunes:duration>
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      <title>You Have to Be Unified When It Comes to Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09122019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Taxes, Debt, Home Selling, Career, Budgeting   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Sep 2019 21:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49699636-f231-11ec-b8fd-b79332c5241e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Taxes, Debt, Home Selling, Career, Budgeting   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Taxes, Debt, Home Selling, Career, Budgeting   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Taxes, Debt, Home Selling, Career, Budgeting   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2463</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let Your Dream Turn Into a Nightmare (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Home Buying, Home Selling, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Sep 2019 20:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49c73c96-f231-11ec-b8fd-6f1f1105582f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Home Selling, Budgeting     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting: ...</itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Home Selling, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Home Buying, Home Selling, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2466</itunes:duration>
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    <item>
      <title>A Reverse Mortgage Is a Horrible Product! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Retirement
  
  Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 12 Sep 2019 19:32:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a22a554-f231-11ec-b8fd-8b167e960e2a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement    Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check out other...</itunes:subtitle>
      <itunes:summary>Debt, Retirement
  
  Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Retirement</p> <p> </p>  <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2533</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Avoid Getting Married Just to Keep Military Benefits (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Career, Home Selling, Debt, Savings  
 Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Sep 2019 21:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4a7a1a32-f231-11ec-b8fd-4f9e3f861af6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Home Selling, Debt, Savings   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Career, Home Selling, Debt, Savings  
 Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Career, Home Selling, Debt, Savings <p> </p> <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2529</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Overtime Money Is NOT a Separate Budget Category (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Sep 2019 20:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ad255b2-f231-11ec-b8fd-733e6cc4ca81/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Budgeting     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Retirement, Debt, Budgeting     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Debt, Budgeting     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Powerful Debt-Free Scream on World Suicide Prevention Day (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Budgeting, Debt     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 11 Sep 2019 19:32:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b2aa096-f231-11ec-b8fd-ab05e914b195/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Budgeting, Debt     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Rachel Cruze, Budgeting, Debt     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Budgeting, Debt     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2471</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Don't Take a Child's Approach to an Adult Decision (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Anthony ONeal, Savings, Home Buying, Career     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Sep 2019 21:37:28 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4b84b4d2-f231-11ec-b8fd-7f7863342268/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Savings, Home Buying, Career     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Anthony ONeal, Savings, Home Buying, Career     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Anthony ONeal, Savings, Home Buying, Career     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2467</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Goals Need to Be YOUR Goals (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Retirement
  
 Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Sep 2019 20:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4bdcc956-f231-11ec-b8fd-2f984c212ee6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Retirement   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:    Check...</itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Retirement
  
 Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Home Buying, Debt, Retirement</p> <p> </p> <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2530</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off $777,000 in 29 Months! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Buying, Budgeting, Debt, Retirement     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 10 Sep 2019 19:32:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c34e1e0-f231-11ec-b8fd-c38d3981ae93/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Budgeting, Debt, Retirement     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Home Buying, Budgeting, Debt, Retirement     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Home Buying, Budgeting, Debt, Retirement     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2473</itunes:duration>
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      <title>When You're Debt-Free, Fear Doesn't Own You (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Career, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Sep 2019 21:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4c8d8c82-f231-11ec-b8fd-8f38073b5499/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Career, Home Buying     Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   ...</itunes:subtitle>
      <itunes:summary>Budgeting, Career, Home Buying     Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Budgeting, Career, Home Buying     <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2468</itunes:duration>
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      <title>When You're in Your Career Sweet Spot, People Will Notice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Career, Home Buying, Retirement   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Sep 2019 20:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cf44422-f231-11ec-b8fd-7fbb4cfb3e4c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Home Buying, Retirement   Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview...</itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Home Buying, Retirement   Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Ken Coleman, Career, Home Buying, Retirement   <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>  <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2466</itunes:duration>
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      <title>Don't Co-sign for Your Roommate's Car! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying    Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 09 Sep 2019 19:32:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4d530098-f231-11ec-b8fd-ffb12075f62f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying    Tools to get you started:     Take TDRS listener survey to win a $100 Amazon gift card, click here:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:   Check out...</itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying    Tools to get you started: 
    Take TDRS listener survey to win a $100 Amazon gift card, click here: http://bit.ly/2krRePv

 Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

  Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Debt, Savings, Home Buying    <p>Tools to get you started: </p>   <ul> <li>Take TDRS listener survey to win a $100 Amazon gift card, click here: <a href="http://bit.ly/2krRePv">http://bit.ly/2krRePv</a>
</li> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2534</itunes:duration>
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      <title>Your "Why" Has to Be Greater Than Your Wants (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Budgeting, Debt, Savings, Home Buying
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</description>
      <pubDate>Fri, 06 Sep 2019 21:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10673</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4db9ecf4-f231-11ec-b8fd-9faa0a7c57a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Budgeting, Debt, Savings, Home Buying   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey...</itunes:subtitle>
      <itunes:summary>Retirement, Budgeting, Debt, Savings, Home Buying
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Budgeting, Debt, Savings, Home Buying</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
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      <title>A Debt-Free Scream From Belgium! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 06 Sep 2019 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10672</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4e11f084-f231-11ec-b8fd-5f88ea24049a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Retirement</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> ]]>
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      <title>Don't Make Payments on Your Mistakes! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </description>
      <pubDate>Fri, 06 Sep 2019 19:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10671</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4e69e032-f231-11ec-b8fd-3319d158cd56/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:    </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Selling</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>   ]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>Consistency Compounds During Your Debt-Free Journey (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Sep 2019 21:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4ec29272-f231-11ec-b8fd-ab82c4a09e13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Career    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Savings, Career    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>What Career Choice Takes You Where You Want to Go? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Budgeting, Career, Home Buying, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Sep 2019 20:32:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4f7e9512-f231-11ec-b8fd-f33b04878ca6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Career, Home Buying, Retirement   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Career, Home Buying, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Budgeting, Career, Home Buying, Retirement</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Handle Student Loans After Your College Closes (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Debt, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 05 Sep 2019 19:31:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4fd5ddfe-f231-11ec-b8fd-a3e7e3b28c9d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Insurance, Debt, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>You Are the Problem AND the Solution (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Insurance, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Sep 2019 21:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/504eec30-f231-11ec-b8fd-a3dc6023b4d3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Insurance, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Insurance, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Budgeting, Insurance, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Having a Clearly Defined Goal Pulls You Toward Success (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Savings, Home Selling  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Sep 2019 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/50a9f594-f231-11ec-b8fd-534b331b61ae/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Home Selling  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Savings, Home Selling <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Have Too Much Money Tied Up in Things With Wheels (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Career, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 04 Sep 2019 19:32:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/510106f4-f231-11ec-b8fd-0710441d8cb8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Career, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Career, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Career, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Changing Your Family Tree Starts With You (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Sep 2019 21:37:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Writing Down a Goal Is Powerful (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Career, Retirement, Insurance, Career, Savings   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Sep 2019 20:37:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51adeedc-f231-11ec-b8fd-37654fa8c7d9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Career, Retirement, Insurance, Career, Savings   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Career, Retirement, Insurance, Career, Savings   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Career, Retirement, Insurance, Career, Savings   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: You CAN Work Your Way Through College (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Home Buying, Debt, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 03 Sep 2019 19:32:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5204ac36-f231-11ec-b8fd-771a4d90cbc5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Home Buying, Debt, Savings    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Home Buying, Debt, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Selling, Home Buying, Debt, Savings    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Be Willing to Be Different (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Insurance, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Sep 2019 21:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/525c8eec-f231-11ec-b8fd-e349bd69bffb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Insurance, Home Buying, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Insurance, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Savings, Insurance, Home Buying, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The Importance of Life Insurance and a Will (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Retirement, Home Buying, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Sep 2019 20:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/52b654fe-f231-11ec-b8fd-ab9d883e6c81/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Retirement, Home Buying, Career    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Home Buying, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Insurance, Retirement, Home Buying, Career    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The Best Way to Get Rich Quick Is to Get Rich Slow (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/09022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Debt, Savings, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 02 Sep 2019 19:31:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/530e6b58-f231-11ec-b8fd-974e471a8800/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Debt, Savings, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Debt, Savings, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Home Selling, Debt, Savings, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Throw Dynamite at a Mathematical Log Jam (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 30 Aug 2019 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5365acd8-f231-11ec-b8fd-dfd0696f128d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[<p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>What an IRA Really Means (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Insurance, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 30 Aug 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/53bedbc8-f231-11ec-b8fd-5b3e7d696a89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Insurance, Debt   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>When You've Walked Through a Mess, You Can Be a Messenger (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Home Buying, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 30 Aug 2019 19:32:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/54a82b16-f231-11ec-b8fd-f790d8ee5a11/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Home Buying, Retirement, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Home Buying, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Chris Hogan, Home Buying, Retirement, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Shared Motivation Draws Couples Together (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08292019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Budgeting, Insurance, Retirement, Home Selling    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 29 Aug 2019 21:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/550a31e4-f231-11ec-b8fd-e7184773c9d8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Budgeting, Insurance, Retirement, Home Selling    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Budgeting, Insurance, Retirement, Home Selling    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Budgeting, Insurance, Retirement, Home Selling    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Don't Let Your Family Take Advantage of You (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08292019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Retirement, Debt, Home Buying   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 29 Aug 2019 20:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/556e807c-f231-11ec-b8fd-bfe77ff3d7a6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Home Buying   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Home Buying   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Debt, Home Buying   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: Middle Class Used to Mean Living Within Your Means (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08292019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Home Buying, Taxes   
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 29 Aug 2019 19:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/55d11f70-f231-11ec-b8fd-e38efdf37a02/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Buying, Taxes    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Buying, Taxes   
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Home Buying, Taxes  <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Cash Value Life Insurance Is a Horrible Investment! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Insurance, Taxes    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 28 Aug 2019 21:36:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5628b19a-f231-11ec-b8fd-63f443d47d52/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Insurance, Taxes    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance, Taxes    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Insurance, Taxes    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Make Your Money Behave (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Budgeting, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 28 Aug 2019 20:32:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/569d80ec-f231-11ec-b8fd-938999bc4131/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Budgeting, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Budgeting, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Retirement, Budgeting, Debt   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Credit Cards Are a Curse, Not a Blessing (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08282019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Career, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 28 Aug 2019 19:32:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56f4c122-f231-11ec-b8fd-afa76248e6a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Career, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Career, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Debt, Career, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Don't Use Your 401(k) for a Down Payment! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Retirement, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 27 Aug 2019 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/574c0b58-f231-11ec-b8fd-43ec389c3f4f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Retirement, Insurance    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Retirement, Insurance    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Knock Out Your Debt Instead of Worrying About Interest Rates (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 27 Aug 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Home Buying, Insurance   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Insurance   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Have a Tiny Rent, Not a Tiny House (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Home Buying, Debt, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 27 Aug 2019 19:31:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/57fa3124-f231-11ec-b8fd-730db59c1202/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Insurance, Home Buying, Debt, Career    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Home Buying, Debt, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Insurance, Home Buying, Debt, Career    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>What Was Your "I've Had It" Moment? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 26 Aug 2019 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5850865a-f231-11ec-b8fd-0399afbc3d31/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Insurance    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Insurance    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Being Debt-Free Is Worth the Sacrifice (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt, Retirement, Savings  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 26 Aug 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/58a7578c-f231-11ec-b8fd-27aa8fdfa8aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Retirement, Savings   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Retirement, Savings  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Debt, Retirement, Savings <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2436</itunes:duration>
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    <item>
      <title>Living With Your Parents Is Not a Long-Term Play (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Savings, Retirement, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 26 Aug 2019 19:31:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5904151c-f231-11ec-b8fd-f795fb811ba1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Savings, Retirement, Home Buying, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Savings, Retirement, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Selling, Savings, Retirement, Home Buying, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2445</itunes:duration>
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    <item>
      <title>You Can't Do "Ish" If You Want to Win (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 23 Aug 2019 21:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/595b564c-f231-11ec-b8fd-670fcca938d9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Savings    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Career Is a Massive Part of Your Baby Step Process (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Career   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 23 Aug 2019 20:37:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/59b5ca50-f231-11ec-b8fd-573d77262a7d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Ken Coleman, Career   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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      <title>You Have to Decide That You're Sick and Tired (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Chris Hogan, Debt, Savings, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 23 Aug 2019 19:31:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a0de8b6-f231-11ec-b8fd-affbaefa5432/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Savings, Retirement    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Savings, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Chris Hogan, Debt, Savings, Retirement    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>We Took a Loan at 149% Interest! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Debt-Free Scream
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 22 Aug 2019 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5a64ea8a-f231-11ec-b8fd-8331a2098e01/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Debt-Free Scream   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Debt-Free Scream
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Home Buying, Debt-Free Scream</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Build Wealth, Not Your Credit Score! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Chris Hogan, Home Selling, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 22 Aug 2019 20:37:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5abc336c-f231-11ec-b8fd-8be492090e16/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Chris Hogan, Home Selling, Career    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Chris Hogan, Home Selling, Career    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Ken Coleman, Chris Hogan, Home Selling, Career    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>The Plan Works No Matter What Your Income Is! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 22 Aug 2019 19:31:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b138ae0-f231-11ec-b8fd-0f0f451f8fc6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Budgeting, Retirement    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Budgeting, Retirement    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title> How to Recession-Proof Your Life (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08212019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Debt, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </description>
      <pubDate>Wed, 21 Aug 2019 21:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10637</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5b69d508-f231-11ec-b8fd-936c4bf7f5af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Debt, Retirement   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:    </itunes:subtitle>
      <itunes:summary>Chris Hogan, Debt, Retirement
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Debt, Retirement</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>   ]]>
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      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Make Excuses - Just Do It! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08212019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Insurance
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 21 Aug 2019 20:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10636</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5bc08100-f231-11ec-b8fd-e36539fbbe59/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Insurance   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Insurance
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

    Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Insurance</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul>   Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Grow the Generous Bone (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08212019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </description>
      <pubDate>Wed, 21 Aug 2019 19:31:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10635</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c16ce2a-f231-11ec-b8fd-1b2cb8e44f50/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:    </itunes:subtitle>
      <itunes:summary>Retirement, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Home Selling</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>   </p>]]>
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      <itunes:duration>2442</itunes:duration>
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    <item>
      <title>Don't Use Debt Relief Companies! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Insurance, Savings, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </description>
      <pubDate>Tue, 20 Aug 2019 21:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10634</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5c6e0528-f231-11ec-b8fd-cbc869fe55f7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Insurance, Savings, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:    </itunes:subtitle>
      <itunes:summary>Budgeting, Insurance, Savings, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR   </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Insurance, Savings, Debt</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>   </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
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    <item>
      <title>How to Stay Motivated (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Chris Hogan, Home Buying, Budgeting
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </description>
      <pubDate>Tue, 20 Aug 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10633</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5cc4efd2-f231-11ec-b8fd-d7de904d430b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Chris Hogan, Home Buying, Budgeting   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:   </itunes:subtitle>
      <itunes:summary>Chris Hogan, Home Buying, Budgeting
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Chris Hogan, Home Buying, Budgeting</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>  </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Hope Is More Powerful Than Math (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dave Rant, Insurance, Home Buying, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </description>
      <pubDate>Tue, 20 Aug 2019 19:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10632</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d1c7586-f231-11ec-b8fd-934c57b23ea3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Rant, Insurance, Home Buying, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:   </itunes:subtitle>
      <itunes:summary>Dave Rant, Insurance, Home Buying, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Dave Rant, Insurance, Home Buying, Debt</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a>  </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
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    <item>
      <title>Ask Yourself What You Want to Be Doing in 10 Years (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home Buying, Career   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Aug 2019 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5d74146c-f231-11ec-b8fd-d78db60732af/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Career   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>DAVE RANT: YOU Cause the Economy to Happen! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Dave Rant, Home Selling, Savings, Retirement, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Aug 2019 20:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5dccbdd8-f231-11ec-b8fd-bbc5892ff301/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dave Rant, Home Selling, Savings, Retirement, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dave Rant, Home Selling, Savings, Retirement, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Dave Rant, Home Selling, Savings, Retirement, Home Buying    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What to Look for in a Budget Car (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Insurance, Home Buying, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 19 Aug 2019 19:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e33cbb8-f231-11ec-b8fd-b7956a7f5d3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Insurance, Home Buying, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Insurance, Home Buying, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Insurance, Home Buying, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2505</itunes:duration>
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      <title>How to Shift Your Mindset When You're a Spender (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Savings, Debt, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 16 Aug 2019 21:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e8a8a34-f231-11ec-b8fd-43ef595053be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>You Have to Protect Your Budget When Building a House (Hour 2)</title>
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      <description>Chris Hogan, Rachel Cruze, Home Buying, Retirement  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 16 Aug 2019 20:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Chris Hogan, Rachel Cruze, Home Buying, Retirement   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Rachel Cruze, Home Buying, Retirement  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Chris Hogan, Rachel Cruze, Home Buying, Retirement <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>A Rundown on Retirement Accounts (Hour 1)</title>
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      <description>Chris Hogan, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 16 Aug 2019 19:31:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Chris Hogan, Retirement, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Chris Hogan, Retirement, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The Student Loan Program Has Turned Into a Plague! (Hour 3)</title>
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      <description>Debt, Home Buying, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Aug 2019 21:36:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Debt, Home Buying, Retirement    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Debt, Home Buying, Retirement    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>How to Navigate Retirement When You're Self-Employed (Hour 2)</title>
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      <description>Savings, Retirement, Home Buying, Budgeting  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Aug 2019 20:36:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Savings, Retirement, Home Buying, Budgeting   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Home Buying, Budgeting  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Savings, Retirement, Home Buying, Budgeting <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Don't Get to Not Participate in the Law of Gravity! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Budgeting, Savings, Retirement, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 15 Aug 2019 19:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Debt, Budgeting, Savings, Retirement, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Budgeting, Savings, Retirement, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Debt, Budgeting, Savings, Retirement, Home Buying    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>If You Believe the Lie, You Activate the Limits (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08142019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Chris Hogan, Millionaire Theme Hour    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Aug 2019 21:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Chris Hogan, Millionaire Theme Hour    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Chris Hogan, Millionaire Theme Hour    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Chris Hogan, Millionaire Theme Hour    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>How to Put a Value on Your Business (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08142019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Aug 2019 20:36:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Home Buying, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Debt   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Don't Flee From Change - Embrace It! (Hour 1)</title>
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      <description>Dr. Les Parrott, John O'Leary, Debt, Home Buying, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 14 Aug 2019 19:31:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61926e7c-f231-11ec-b8fd-f38edcb6c818/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr. Les Parrott, John O'Leary, Debt, Home Buying, Insurance    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr. Les Parrott, John O'Leary, Debt, Home Buying, Insurance    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Dr. Les Parrott, John O'Leary, Debt, Home Buying, Insurance    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
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    <item>
      <title>When You Use Credit Cards, You Spend More (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Home-Buying, Debt-Free Scream, Dave Rant    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Aug 2019 21:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/61ebd318-f231-11ec-b8fd-eb01fd1b748b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home-Buying, Debt-Free Scream, Dave Rant    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home-Buying, Debt-Free Scream, Dave Rant    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home-Buying, Debt-Free Scream, Dave Rant    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
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    <item>
      <title>Your Resumé Needs to Have a Real Connection (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Ken Coleman, Career, Savings, Home Buying, Home Selling   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Aug 2019 20:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6246fe0a-f231-11ec-b8fd-1700e664b724/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Ken Coleman, Career, Savings, Home Buying, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Ken Coleman, Career, Savings, Home Buying, Home Selling   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Ken Coleman, Career, Savings, Home Buying, Home Selling   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Address Family Anger Issues (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Dr Henry Cloud, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 13 Aug 2019 19:31:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/629e88d2-f231-11ec-b8fd-fb372d94cf82/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Dr Henry Cloud, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Dr Henry Cloud, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Dr Henry Cloud, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Cripple Your Kids With Student Loan Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Debt, Dave Rant    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Aug 2019 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/62f603fa-f231-11ec-b8fd-ff4d19f6e041/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Debt, Dave Rant    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt, Dave Rant    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Debt, Dave Rant    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Handling Money During the Grieving Process (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Aug 2019 20:36:50 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/634d6ab4-f231-11ec-b8fd-4f9e17ad05ac/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Selling   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should I Sell My House? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Home Selling, Budgeting, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 12 Aug 2019 19:31:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63a9a3c4-f231-11ec-b8fd-c36fb800e24c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Selling, Budgeting, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Selling, Budgeting, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Selling, Budgeting, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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      <title>Where You Spend Your Money Reveals What's Important (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Aug 2019 21:36:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/63fff60c-f231-11ec-b8fd-b79642f93189/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>What If You Had No Payments? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Aug 2019 20:36:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6458433e-f231-11ec-b8fd-13bd786f7ee2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Retirement, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>No One Accidentally Wins the Super Bowl (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Savings, Home Buying
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 09 Aug 2019 19:31:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/64afa4e4-f231-11ec-b8fd-bb0654f1a455/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Savings, Home Buying   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Savings, Home Buying
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Debt, Savings, Home Buying</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2501</itunes:duration>
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      <title>The First Ever Family Business Theme Hour! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08082019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Family Business Theme Hour    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Aug 2019 21:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6507c0fc-f231-11ec-b8fd-bbefd6de64e1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Family Business Theme Hour    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Family Business Theme Hour    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Family Business Theme Hour    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2497</itunes:duration>
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      <title>Pay Attention to Your Income! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08082019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Home Buying, Home Selling, Debt  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Aug 2019 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6576c4a2-f231-11ec-b8fd-ab2a58cd1426/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Home Selling, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Home Selling, Debt  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Home Selling, Debt <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2437</itunes:duration>
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      <title>Real Friends Want Something FOR You, Not FROM You (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08082019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Retirement, Debt, Budgeting, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 08 Aug 2019 19:31:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/65ceef74-f231-11ec-b8fd-b381bda1f631/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Debt, Budgeting, Savings    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Debt, Budgeting, Savings    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Debt, Budgeting, Savings    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
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      <title>What Has to Be True for You to Win? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Insurance, Savings, Debt, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Aug 2019 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/662697c4-f231-11ec-b8fd-2baef5b5fdcb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Insurance, Savings, Debt, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Insurance, Savings, Debt, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Insurance, Savings, Debt, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2439</itunes:duration>
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      <title>How to Prioritize Money From a Settlement (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Savings, Debt, Home Buying  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Aug 2019 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/667ed6be-f231-11ec-b8fd-07afaa8c402a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Debt, Home Buying   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Debt, Home Buying  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Savings, Debt, Home Buying <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
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      <title>Don't Rationalize Your Stupid Credit Cards! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08072019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Home Selling, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 07 Aug 2019 19:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/66d84474-f231-11ec-b8fd-83ec7ad15cd3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Home Selling, Home Buying, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Home Selling, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Home Selling, Home Buying, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
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    <item>
      <title>Even NFL Players Can Go Broke! Your Money Is YOUR Responsibility (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Savings, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Aug 2019 21:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/673bdb06-f231-11ec-b8fd-4333e35df3d7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Savings, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Savings, Debt
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Retirement, Savings, Debt</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
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      <title>Should I Switch Careers? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Budgeting, Home Buying, Debt, Career
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Aug 2019 20:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/679454ac-f231-11ec-b8fd-a730c5598cc7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Buying, Debt, Career   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Buying, Debt, Career
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Home Buying, Debt, Career</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>How to Budget on an Irregular Income (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Education, Retirement, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 06 Aug 2019 19:31:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/67f3e07a-f231-11ec-b8fd-9bcd6983ea0e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Education, Retirement, Home Selling   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Education, Retirement, Home Selling
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Budgeting, Education, Retirement, Home Selling</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2503</itunes:duration>
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      <title>You Can Start Again Without Filing Bankruptcy (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Career, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Aug 2019 21:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/684bf54e-f231-11ec-b8fd-db2321959d11/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Retirement, Career, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Career, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Career, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>Don't Make Big Decisions When You're Grieving (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Debt, Home Buying, Budgeting   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Aug 2019 20:36:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68a467d8-f231-11ec-b8fd-b331cbeaf3e2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Debt, Home Buying, Budgeting   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Debt, Home Buying, Budgeting   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Anthony ONeal, Debt, Home Buying, Budgeting   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2495</itunes:duration>
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      <title>Only the Financially Strong Can Help the Weak (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Selling, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 05 Aug 2019 19:31:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/68fd9f56-f231-11ec-b8fd-8f99435ca6ec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Selling, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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      <title>Being "Good" at Using Credit Cards is Like Being Good at Juggling Swords (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Savings, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Aug 2019 21:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6954b0ca-f231-11ec-b8fd-2f5ae04bba52/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Savings, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Savings, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Savings, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2438</itunes:duration>
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      <title>You Can Buy a House Without a Credit Score! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Rachel Cruze, Anthony ONeal, Home Selling, Insurance  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Aug 2019 20:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/69ac3c46-f231-11ec-b8fd-2bab7e224b88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Anthony ONeal, Home Selling, Insurance   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Anthony ONeal, Home Selling, Insurance  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Anthony ONeal, Home Selling, Insurance <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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      <title>We Have $550,000 in Student Loan Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Rachel Cruze, Savings, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 02 Aug 2019 19:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6a03dcd0-f231-11ec-b8fd-ab47923772c8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Rachel Cruze, Savings, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Rachel Cruze, Savings, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Rachel Cruze, Savings, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The First "I've Had It" Theme Hour! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/08012019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Education, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Aug 2019 21:36:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Education, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Education, Home Buying    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>DAVE RANT: Rich Parents Are Disowning Their Kids to Get Need-Based Scholarships (Hour 2)</title>
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      <description>Education, Home Buying  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Aug 2019 20:36:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Education, Home Buying   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Education, Home Buying  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Education, Home Buying <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>A Car Accident Does NOT Give You Permission to Move Up in Car (Hour 1)</title>
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      <description>Savings, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 01 Aug 2019 19:31:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6b497884-f231-11ec-b8fd-07314d3b07fc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Home Buying, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Home Buying, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Savings, Home Buying, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Should I Buy a Business? (Hour 3)</title>
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      <description>Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 31 Jul 2019 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
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      <itunes:subtitle>Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Don't Quit Your Job If It Makes Your Family Starve! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07312019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Retirement, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 31 Jul 2019 20:36:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Debt, Retirement, Insurance   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Insurance   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>You Can't Fix Your Parents! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07312019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Insurance, Retirement, Home Buying, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 31 Jul 2019 19:31:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Insurance, Retirement, Home Buying, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Insurance, Retirement, Home Buying, Budgeting    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Insurance, Retirement, Home Buying, Budgeting    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>How to Deal With Credit Card Debt Collectors (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Retirement, Insurance, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
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      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Retirement, Insurance, Debt    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Retirement, Insurance, Debt    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Retirement, Insurance, Debt    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Pay Cash for Your Education (Hour 2)</title>
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      <description>Home Buying, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 30 Jul 2019 20:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Home Buying, Debt   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Debt   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Home Buying, Debt   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>DAVE RANT: We Already Know What's in Your Wallet! (Hour 1)</title>
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 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 30 Jul 2019 19:31:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/74782c70-f231-11ec-b8fd-5f49cc87e5f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Budgeting    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Budgeting   
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Budgeting  <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
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    <item>
      <title>Don't Hide Bills From Your Spouse! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Debt, Savings  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jul 2019 21:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/74cfda9c-f231-11ec-b8fd-e3bf89c27450/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Debt, Savings  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Debt, Savings  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Budgeting, Debt, Savings  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
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      <title>You Have to Believe You Can Win (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292019_the_dave_ramsey_show_archive_2.mp3</link>
      <description> Home Buying, Debt, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jul 2019 20:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7528fa00-f231-11ec-b8fd-33d1cc0bc4c6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle> Home Buying, Debt, Retirement    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary> Home Buying, Debt, Retirement    Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ Home Buying, Debt, Retirement    <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
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    <item>
      <title>Why Newlyweds Should Rent Instead of Buy (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07292019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 29 Jul 2019 19:31:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/758497fc-f231-11ec-b8fd-23c2af056481/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
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    <item>
      <title>We've Been Doing Dave-ish for 6 Years (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Debt, Retirement, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jul 2019 21:36:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/75de01de-f231-11ec-b8fd-eba93fa01f4d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Retirement, Home Buying  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Retirement, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Retirement, Home Buying  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
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    <item>
      <title>Debt Doesn't Allow You to Live the Life You Want (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jul 2019 20:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7637df60-f231-11ec-b8fd-f30d268794e5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2497</itunes:duration>
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    <item>
      <title>What You Should Ask During an Interview (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying, Career  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 26 Jul 2019 19:31:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/76abe392-f231-11ec-b8fd-bf3c5e370ed4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying, Career  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying, Career  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Debt, Home Buying, Career  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <itunes:duration>2444</itunes:duration>
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      <title>You Don't Get Rich by Being a Crook (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Everyday Millionaire Theme Hour, Savings  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jul 2019 21:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/770c1a82-f231-11ec-b8fd-db4c65e258e7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Everyday Millionaire Theme Hour, Savings  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Everyday Millionaire Theme Hour, Savings  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Everyday Millionaire Theme Hour, Savings  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
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    <item>
      <title>Leave the Cave, Kill Something, and Drag It Home (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Savings, Debt, Home Buying Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jul 2019 20:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/776499b4-f231-11ec-b8fd-db21bcbd2bf4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Debt, Home Buying Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Debt, Home Buying Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Debt, Home Buying <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Stop Spending Like You're in Congress (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Budgeting, Savings, Debt, Career  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 25 Jul 2019 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/77c3c79a-f231-11ec-b8fd-c7ed4d666074/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Savings, Debt, Career  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Savings, Debt, Career  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Budgeting, Savings, Debt, Career  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>You Have to Set Boundaries With Your Kids (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Budgeting, Home Selling, Savings, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jul 2019 21:36:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/781c1364-f231-11ec-b8fd-f3aa9052ebfa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Budgeting, Home Selling, Savings, Insurance   Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Budgeting, Home Selling, Savings, Insurance   Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
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        <![CDATA[Budgeting, Home Selling, Savings, Insurance   <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>The Federal Student Loan Program Is an Epic Failure! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Anthony ONeal, Student Loan Crisis, Debt Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jul 2019 20:36:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78768d80-f231-11ec-b8fd-0fd46fa884be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Anthony ONeal, Student Loan Crisis, Debt Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Anthony ONeal, Student Loan Crisis, Debt Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Anthony ONeal, Student Loan Crisis, Debt <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <title>Control the Controllables When It Comes to Retirement (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Savings, Retirement, Home Selling  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 24 Jul 2019 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/78d043a2-f231-11ec-b8fd-279b6d877a01/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Savings, Retirement, Home Selling  Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Savings, Retirement, Home Selling  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[Savings, Retirement, Home Selling  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>Don't Use Family Time to Justify Stupid Decisions (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Home Buying, Retirement, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jul 2019 21:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79280f10-f231-11ec-b8fd-c33f86afff36/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Home Buying, Retirement, Debt Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Home Buying, Retirement, Debt
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Home Buying, Retirement, Debt</p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p> ]]>
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      <title>If You Participate in Crazy, You Can Expect Crazy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Debt, Home Selling
   
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jul 2019 20:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79881450-f231-11ec-b8fd-876dbc1bacb7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Selling    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Selling
   
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Debt, Home Selling</p>  <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2500</itunes:duration>
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      <title>A Degree Is Not a Golden Ticket to Success (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Debt, Home Buying
  
  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 23 Jul 2019 19:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/79e91246-f231-11ec-b8fd-fbb5d5bcf37e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Debt, Home Buying    Tools to get you started:  Debt Calculator:  Insurance Coverage Checkup:  Complete Guide to Budgeting:  Interview Guide:     Check out other podcasts in the Ramsey Network:  </itunes:subtitle>
      <itunes:summary>Debt, Home Buying
  
  Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[ <p>Debt, Home Buying</p> <p> </p>  <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2443</itunes:duration>
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      <title>How to Save for a Wedding (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jul 2019 21:36:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a4227aa-f231-11ec-b8fd-1bbb8f32d77f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Debt Is the Symptom, Not the Problem (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jul 2019 20:36:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7a99f804-f231-11ec-b8fd-ff998acab732/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The First Show From the New Studio! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 22 Jul 2019 19:31:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b0a3966-f231-11ec-b8fd-f784398dc63b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e52a8096ae32ccc2095b9da8c62aa677]]></guid>
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    <item>
      <title>Talk About the WHY Before the HOW (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jul 2019 21:38:19 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7b63d4ee-f231-11ec-b8fd-ef1a4af16e31/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[765a382525dd10d5a233aa4e1691c28f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7903129842.mp3?updated=1655908908" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Number 1 Way to Avoid Student Loan Debt (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jul 2019 20:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7bbacaba-f231-11ec-b8fd-2f172876ced6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0d429fc8adebd6acc75814541aef7340]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3003707668.mp3?updated=1655908909" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Credit Card Is the Cigarette of the Financial World (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE 
   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 19 Jul 2019 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c12a168-f231-11ec-b8fd-1f54c95f8061/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE 
   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a> </li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[aa5f06e071cfa5f0f67ba712523cd47d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1953869332.mp3?updated=1655908909" length="0" type="audio/mpeg"/>
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    <item>
      <title>Even When You Don't Have Momentum, You're Better Than You Look (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jul 2019 21:38:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7c6a78fc-f231-11ec-b8fd-a7029c7d10a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7dffd95da7bd937b190e5c5022ad243b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8861276785.mp3?updated=1655908910" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Face Your Financial Fears (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jul 2019 20:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7cc2982a-f231-11ec-b8fd-b31aad8287f6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Your Parents' Debt Is Not YOUR Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 18 Jul 2019 19:34:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d2df91c-f231-11ec-b8fd-233b1d1ef773/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d939824883e61b071fedc22017560838]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4596660232.mp3?updated=1655908911" length="0" type="audio/mpeg"/>
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    <item>
      <title>Finding Your Passion Means Finding a Problem You Want to Solve (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jul 2019 21:38:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d84f0fa-f231-11ec-b8fd-03ed60e2dadb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f343db89114ff8a61ff454af0f69b87a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1287305238.mp3?updated=1655908911" length="0" type="audio/mpeg"/>
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    <item>
      <title>You Have to Get Scared Enough to Get Radical (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jul 2019 20:34:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ddb7be6-f231-11ec-b8fd-9784d7f16edb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5a9e6f1ae704c7033310db46fae5b98d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8815828683.mp3?updated=1655908912" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Listen to Financial Advice From Someone That Is Broke! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 17 Jul 2019 19:34:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7e3243e0-f231-11ec-b8fd-078725b9cce9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e23382ec617053bfff8afe9984c2b694]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7271337302.mp3?updated=1655908913" length="0" type="audio/mpeg"/>
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    <item>
      <title>Failure is NOT Fatal (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jul 2019 21:38:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7e894dca-f231-11ec-b8fd-c7a2fdd854b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6373a67064b4eeb5d461c537f6d8a48b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5340893722.mp3?updated=1655908913" length="0" type="audio/mpeg"/>
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    <item>
      <title>Should I Get a $1 Million Apartment? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jul 2019 20:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ef1a5dc-f231-11ec-b8fd-435d342fd5c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2427</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[661e8aeb93f26f821a8e9861b93ff5d0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5079568078.mp3?updated=1655908914" length="0" type="audio/mpeg"/>
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    <item>
      <title>Micro-Investing Is Going to Lead to Micro-Wealth (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 16 Jul 2019 19:34:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f490cdc-f231-11ec-b8fd-dbc93f702539/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Navigate Baby Step 4 With a Pension Plan (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jul 2019 21:38:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7fa03fca-f231-11ec-b8fd-f397f95c1c37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There's No Shame in the Emotion of Personal Finance (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jul 2019 20:34:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7ff7b7b4-f231-11ec-b8fd-7befa95e044d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e6cc98de77196cf13aa840416bc54d8e]]></guid>
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    <item>
      <title>Becoming Debt-Free Feels Like Getting a Raise (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 15 Jul 2019 19:34:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80505eaa-f231-11ec-b8fd-93d4ae05ba6f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[51347d87161e460a40e27a3d20d594a9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7425622524.mp3?updated=1655908917" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don’t Be Normal – Be Weird! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jul 2019 21:38:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80d1191e-f231-11ec-b8fd-3b485d14bb76/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2431</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[34a476f09f721a04469386f22caacaf6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7291468323.mp3?updated=1655908917" length="0" type="audio/mpeg"/>
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    <item>
      <title>Make Clear Decisions, Not Rush Decisions (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jul 2019 20:34:44 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8128b43a-f231-11ec-b8fd-affc26d533f6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4b7353bac7ccdc97341e1e1f9bdbb9ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2528467258.mp3?updated=1655908922" length="0" type="audio/mpeg"/>
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    <item>
      <title>Be Properly Prepared to Pay Off Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 12 Jul 2019 19:34:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81836100-f231-11ec-b8fd-8bceb8cb8f1a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[be72fc59eca293c1bf3338cea8e34ad8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4302825273.mp3?updated=1655908921" length="0" type="audio/mpeg"/>
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    <item>
      <title>I Have over $1 Million in Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jul 2019 21:38:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/81dba860-f231-11ec-b8fd-27244ad254c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
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      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Bankruptcy is Not the Answer (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jul 2019 20:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8248b914-f231-11ec-b8fd-8f53e28c138a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Baby Step 1 Isn't Meant to Be Forever (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 11 Jul 2019 19:34:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82a0fb74-f231-11ec-b8fd-3f7d4e40bc58/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get off the Hamster Wheel! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jul 2019 21:38:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/82f7a172-f231-11ec-b8fd-b746951daa04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8f07d98f0eec0a583f549f73d81aeb8a]]></guid>
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    <item>
      <title>I'm 25 with $172,000 in Car Debt...What Do I Do? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jul 2019 20:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/834f2442-f231-11ec-b8fd-cfc40ff18c0a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f56ac1f9f358284ac2d40cc05553b942]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2481579725.mp3?updated=1655908921" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Get out of a Car Lease (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 10 Jul 2019 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83a63e30-f231-11ec-b8fd-8763b486a39c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f04f95bf2c87931e2e72649c1a54b593]]></guid>
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    <item>
      <title>Why You Don't Need Life Insurance for Your Whole Life (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jul 2019 21:38:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>10544</itunes:episode>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/83ffedfe-f231-11ec-b8fd-1be3d51ae78b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a5c50becf3c32b3c6ed58e0a65086266]]></guid>
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    <item>
      <title>Run TO Something, Not FROM Something (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jul 2019 20:32:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/847dcad0-f231-11ec-b8fd-a3a14e1b0661/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2426</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Short-Term Pain Equals Long-Term Gain (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 09 Jul 2019 19:32:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/84d68602-f231-11ec-b8fd-ff402c2fd7ff/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don’t Fall Asleep at the Wheel! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jul 2019 21:34:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/852ef6f2-f231-11ec-b8fd-ef27f9287b1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ffb3109352ad31e8a05255aee525d4e7]]></guid>
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    <item>
      <title>Tax-Deferred vs. Tax-Free Retirement Accounts (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jul 2019 20:37:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85840ffc-f231-11ec-b8fd-27fa9c4ad109/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c13ffb38c550ce4bb637a2b655d43969]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1831633677.mp3?updated=1655908924" length="0" type="audio/mpeg"/>
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    <item>
      <title>Invest Your Money in REAL Investments (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07082019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 08 Jul 2019 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85d90296-f231-11ec-b8fd-976459b31a8c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e5507e965ab4cdc65b60e415d5c72aac]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1874547044.mp3?updated=1655908925" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Budget Is Permission to Spend (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jul 2019 21:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86467830-f231-11ec-b8fd-6ffcb1718474/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[618673cb5eb0023d80bd24b897b714b4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5076409844.mp3?updated=1655908925" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why You Should Avoid VA Loans (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jul 2019 20:37:15 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/869c92e2-f231-11ec-b8fd-cbcf3d275741/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[007d59effbee485984d512daed6d4cbd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5203385389.mp3?updated=1655908926" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Celebrate the Milestones to Help You Stay Focused (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Fri, 05 Jul 2019 19:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86f3370a-f231-11ec-b8fd-bbf295f651a8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't DIY When It Comes to Investing! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jul 2019 21:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8894a6ca-f231-11ec-b8fd-d30cb6e44ae4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Take Time to Heal Before Becoming a Healer (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jul 2019 20:37:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/893e1f02-f231-11ec-b8fd-336da8530fc5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Reset the Culture of Your Household (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Thu, 04 Jul 2019 19:34:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89b1a724-f231-11ec-b8fd-737897d66a3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[936fef56d7b9ea8632c221eb7fd6820a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8025135224.mp3?updated=1655908928" length="0" type="audio/mpeg"/>
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    <item>
      <title>Get Rid of Your Limiting Beliefs (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jul 2019 21:34:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a2d02fc-f231-11ec-b8fd-0339b03954a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2500</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b2335199883ffe8f3a2035affa67fe72]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7362051002.mp3?updated=1655908929" length="0" type="audio/mpeg"/>
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    <item>
      <title>Little Tweaks Can Lead to Big Gains (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jul 2019 20:37:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a85d3dc-f231-11ec-b8fd-133ab0eaa56e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cea22fb2f93f998354de96fa180156d5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8108272847.mp3?updated=1655908929" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Play the Comparison Game! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Wed, 03 Jul 2019 19:34:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8afc755a-f231-11ec-b8fd-9f54f8a3db44/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[838355a704a02ee7eb7af01b7590eb2d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1079388685.mp3?updated=1655908930" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The First Ever Debt-Free Scream From New Zealand! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jul 2019 21:34:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b5407e8-f231-11ec-b8fd-2f29f8c97d5a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get a Car That’s a Blessing, Not a Curse (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jul 2019 20:37:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ba91d6e-f231-11ec-b8fd-ab38f05d3c69/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e375cdbf014c53ac7be1bffea74c1222]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3495656721.mp3?updated=1655908931" length="0" type="audio/mpeg"/>
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    <item>
      <title>Make Your Own Independence Day (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Tue, 02 Jul 2019 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c02a60e-f231-11ec-b8fd-23537ab2a7e8/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0cd1df5011b58fd7cf70fa802c744607]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4542610936.mp3?updated=1655908931" length="0" type="audio/mpeg"/>
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    <item>
      <title>It IS Possible to Be Debt-Free! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jul 2019 21:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c58e208-f231-11ec-b8fd-936911d3da89/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
  
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dadc2bd8ee5e098abb14baba5a449602]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9376880084.mp3?updated=1655908932" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Give In to House Fever! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jul 2019 20:37:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ce840e2-f231-11ec-b8fd-f3eb6c155a13/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[270e73caa445c812abb107febfeddef0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9087731361.mp3?updated=1655908932" length="0" type="audio/mpeg"/>
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    <item>
      <title>Driving a Beater Can Be a Blessing (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/07012019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </description>
      <pubDate>Mon, 01 Jul 2019 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d3e5374-f231-11ec-b8fd-13af3b69fa88/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the...</itunes:subtitle>
      <itunes:summary>Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!
  
 Tools to get you started:
  Debt Calculator: http://bit.ly/2QIoSPV

 Insurance Coverage Checkup: http://bit.ly/2BrqEuo

 Complete Guide to Budgeting: http://bit.ly/2QEyonc

 Interview Guide: http://bit.ly/2BuGnZE

   
 Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Take control of your money once and for all. <em>The Dave Ramsey Show</em> offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!</p> <p> </p> <p>Tools to get you started:</p> <ul> <li>Debt Calculator: <a href="http://bit.ly/2QIoSPV">http://bit.ly/2QIoSPV</a>
</li> <li>Insurance Coverage Checkup: <a href="http://bit.ly/2BrqEuo">http://bit.ly/2BrqEuo</a>
</li> <li>Complete Guide to Budgeting: <a href="http://bit.ly/2QEyonc">http://bit.ly/2QEyonc</a>
</li> <li>Interview Guide: <a href="http://bit.ly/2BuGnZE">http://bit.ly/2BuGnZE</a>
</li> </ul> <p> </p> <p>Check out other podcasts in the Ramsey Network: <a href="http://bit.ly/2JgzaQR">http://bit.ly/2JgzaQR</a> </p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3703d167f09169b1dc9c72f1b3c0fc0d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8793704350.mp3?updated=1655908933" length="0" type="audio/mpeg"/>
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    <item>
      <title>Guidelines for Buying a Reliable Commuter Car (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 28 Jun 2019 21:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d945882-f231-11ec-b8fd-e72a448b7d04/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[79a4bbf3952ed35d4fab820ca526ab15]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3144527514.mp3?updated=1655908934" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Diversify Your Investments (And What that Even Means) (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 28 Jun 2019 20:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8deec768-f231-11ec-b8fd-67cd907af30e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5406245107.mp3?updated=1655908934" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Everyday Millionaire: Chris Hogan Interviews a Former Serbian Refugee (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06282019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 28 Jun 2019 19:34:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e84f9ae-f231-11ec-b8fd-53f306314d1e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[32665df5fd8d962ab9617c4c4e832248]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5875423075.mp3?updated=1655908935" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's Time to Address Your Emotional Relationship with Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 27 Jun 2019 21:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f034854-f231-11ec-b8fd-47f15a41d5d6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3f820ec26a8236addf83534286a80dbe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3299490680.mp3?updated=1655908935" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why 401(K) Loans Create Stress Upon Stress (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 27 Jun 2019 20:37:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f5880b2-f231-11ec-b8fd-df292a2f5136/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[681e508e1ec549a86892932599224f55]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9541565853.mp3?updated=1655908936" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Drowning in Debt? You Can Take Your Life Back! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 27 Jun 2019 19:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8faf27b4-f231-11ec-b8fd-3f9373396c76/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a08b80e516fda4b93e388e6fd03db71e]]></guid>
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    <item>
      <title>Student Loan Forgiveness Isn't a Magic Wand that Erases Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 26 Jun 2019 21:34:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9041f94a-f231-11ec-b8fd-3bfcd3ac9ca0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Don't Touch That Pension . . . Let that Money Grow! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 26 Jun 2019 20:37:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90a935b0-f231-11ec-b8fd-cfbab7084005/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8753297569.mp3?updated=1655908937" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Rent an Apartment When You Have Bad Credit (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 26 Jun 2019 19:34:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9109ade6-f231-11ec-b8fd-37defa214b66/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2441</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[317b48f05d68e130aa9f2dcbc2287479]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1703174762.mp3?updated=1655908938" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why PMI (Private Mortgage Insurance) Doesn't Protect You (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 25 Jun 2019 21:34:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9164b0c4-f231-11ec-b8fd-07051ebf1bec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[45171e579a0fab7dc37e4452df551a70]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1862533066.mp3?updated=1655908938" length="0" type="audio/mpeg"/>
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    <item>
      <title>Avoid the Hassle Factor with Mutual Funds Over Real Estate (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 25 Jun 2019 20:37:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91bebfec-f231-11ec-b8fd-27c4c29965bc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c3a688db89021c427ebb566c51f095b8]]></guid>
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    <item>
      <title>How Pensions Impact Assets and Net Worth (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 25 Jun 2019 19:30:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92185b56-f231-11ec-b8fd-b764b734bdc9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Is Your Money &amp; Marriage Issue Really a Pronoun Problem? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 24 Jun 2019 21:34:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9275892a-f231-11ec-b8fd-8798df25008d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a36f43a4938184db3a93e7a75d370a82]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2262082252.mp3?updated=1655908940" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Can Say YES to Adventures When You're Debt-Free (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 24 Jun 2019 20:37:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/92cecdf0-f231-11ec-b8fd-fb2b9c34959a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[77a31dc7034556330c598b8e7e9061d4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3253784147.mp3?updated=1655908941" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Paying Down Debt? Celebrate the Little Victories! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 24 Jun 2019 19:30:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9325bde0-f231-11ec-b8fd-476a7ce929a3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7098f24d8a3a8a1775693ff7cf886aa4]]></guid>
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    <item>
      <title>How to Save for College and Retirement Simultaneously (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 21 Jun 2019 21:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9384de06-f231-11ec-b8fd-fbae36577b3c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f25d8caf2d9e176ca8907b4462217b27]]></guid>
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    <item>
      <title>Credit Scores Do NOT Measure Financial Well-being (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 21 Jun 2019 20:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/93df044e-f231-11ec-b8fd-0b8c8fd6fa4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Why You Should Avoid Prepaid College Tuition Plans (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06212019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 21 Jun 2019 19:35:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94663086-f231-11ec-b8fd-a32df4807e2a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2171406011.mp3?updated=1655908943" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Making History: $500,000,000 to Scream About (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 20 Jun 2019 21:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/94cf0796-f231-11ec-b8fd-37042474f17d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f9a6858a19ed9d8885e1f04f896ff8c7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3821466975.mp3?updated=1655908943" length="0" type="audio/mpeg"/>
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    <item>
      <title>Stop that Crazy Commute and Get Your Life Back (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 20 Jun 2019 20:37:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/952c2368-f231-11ec-b8fd-2b12e52a1228/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5c08ee24e5048fc2c8f6544ed7b45e03]]></guid>
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    <item>
      <title>How to Talk to Your Spouse About Money and Debt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 20 Jun 2019 19:35:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/95b689ea-f231-11ec-b8fd-37548abf3902/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6e63c663744334e0c0451e8c6f720404]]></guid>
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    <item>
      <title>How to Snowball Current Vs. Defaulted Debts (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>et Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 19 Jun 2019 21:34:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/961382a8-f231-11ec-b8fd-3b07051a2d55/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>et Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>et Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>et Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Insight on How Much to Invest in a 529 Account (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 19 Jun 2019 20:36:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/96eef522-f231-11ec-b8fd-97e1b78670da/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[fd43b49671e08daac27fa9869f369ee4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7911243441.mp3?updated=1655908945" length="0" type="audio/mpeg"/>
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    <item>
      <title>Student Loan Payments Just Hit Me Upside the Head (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 19 Jun 2019 19:35:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/974910a2-f231-11ec-b8fd-87cbe7900e62/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[718153c2e8b26cd3edc1d8bc7cdf5d52]]></guid>
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    <item>
      <title>Starting Over After Bankruptcy: Learn to Say No (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 18 Jun 2019 21:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/97ae51f6-f231-11ec-b8fd-931327f1867a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ea172c7555bc50ad63f8d04b92cd6d87]]></guid>
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    <item>
      <title>Small Business Accounting for New Entrepreneurs (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 18 Jun 2019 20:37:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98653984-f231-11ec-b8fd-8b979f116831/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[770f638b65339787abc95c8d83ceb1a6]]></guid>
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    <item>
      <title>Attack Debt the Same Way You Would Eat an Elephant (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 18 Jun 2019 19:35:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99573e96-f231-11ec-b8fd-db0d94c7d441/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Balancing Hard Work and Family with Small Kiddos (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 17 Jun 2019 21:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99f68c80-f231-11ec-b8fd-c3fc22452916/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4979273275.mp3?updated=1655908948" length="0" type="audio/mpeg"/>
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    <item>
      <title>Is It Okay to Use Autodraft to Pay Bills? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 17 Jun 2019 20:36:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9bb0aab0-f231-11ec-b8fd-67904a3c15cd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[571de69539e881b3e07188b4bcf3b786]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9788125898.mp3?updated=1655908948" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sunup Until Sundown: Debt-Freedom Has a Price (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 17 Jun 2019 19:35:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c22d734-f231-11ec-b8fd-ebe0725b8883/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9296db2ad2bf8121e0296e9d13fd250a]]></guid>
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    <item>
      <title>Start Paying Attention and Get MAD at Debt! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 14 Jun 2019 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c8e979e-f231-11ec-b8fd-5339e7ebdc15/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[c363004a5f4ea88e92aa889551f43d83]]></guid>
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    <item>
      <title>The Law of the Zip Code: Start Where You Are (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 14 Jun 2019 20:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9cfbd516-f231-11ec-b8fd-270eef6c67ce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You Have to Own the Problem to Fix the Problem (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06142019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 14 Jun 2019 19:35:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9e0a6b98-f231-11ec-b8fd-23508a27b184/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Most Important Investing Lesson You Can Learn (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 13 Jun 2019 21:34:21 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9e69842a-f231-11ec-b8fd-6b5251af68a7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[caed5a1b887a28462c5e1d0a2fd0bd23]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5775489229.mp3?updated=1655908951" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Synchrony Bank Partners with Amazon on Credit Builder Card: Don’t Fall for This! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 13 Jun 2019 20:36:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9eccda16-f231-11ec-b8fd-a7bab3d071b2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>He Even Cleaned Toilets to Get Rid of Student Loans (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 13 Jun 2019 19:35:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9f2bedda-f231-11ec-b8fd-b756306b8cb0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[dea4ebcad9a6d658b8db7c4eb48ce1f7]]></guid>
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    <item>
      <title>Real Millionaires and How They Did It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 12 Jun 2019 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9fa0977a-f231-11ec-b8fd-6754d8c2a0f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>The New Dolphin King: Andy Andrews Joins Dave in Studio (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 12 Jun 2019 20:36:56 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a000c758-f231-11ec-b8fd-a727cf3402f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bbdef955dc9840fa13e00fbeafffddbf]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5651355791.mp3?updated=1655908962" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Rock Bottom: Paying Off Debt with the Kids' Savings (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06122019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 12 Jun 2019 19:30:13 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a05e92d4-f231-11ec-b8fd-b32618958071/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[601589feb5e0e1b8f4ce6b42ba256211]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3783080780.mp3?updated=1655908962" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>If You Work Together Towards the Goal, You'll Win! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 11 Jun 2019 21:34:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a0c1f1bc-f231-11ec-b8fd-e7ab1ce4edce/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7226273a7b3bfcdc4b5472f18a55cf16]]></guid>
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    <item>
      <title>Spread Your Wings and Go After Your Dream (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 11 Jun 2019 20:36:59 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a1238a08-f231-11ec-b8fd-57c43cbf331b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f8180c0f0831a8f3a900334e18063939]]></guid>
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    <item>
      <title>Your Mom Has Been Brainwashed by the Banks (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06112019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 11 Jun 2019 19:30:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a186d108-f231-11ec-b8fd-9fd74ec808ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Your Life Is an Emergency Waiting to Happen (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 10 Jun 2019 21:34:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a1f78f60-f231-11ec-b8fd-9b538d2b2667/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3709022904.mp3?updated=1655908964" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Combining Assets as Young Newlyweds at Ages 81 and 84 (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 10 Jun 2019 20:36:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a2581e3e-f231-11ec-b8fd-9b3350ac0389/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8dea005a88ffa8d95947c3412ecf260f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8106458503.mp3?updated=1655908965" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why You Need Title Insurance on All Real Estate Transactions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 10 Jun 2019 19:35:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a2b99fc4-f231-11ec-b8fd-0314a07be328/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[abd33229cb3cb8dab5bd3371a0a8d9aa]]></guid>
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    <item>
      <title>Others Don't Get to Make Decisions with Your Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 07 Jun 2019 21:34:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3221f86-f231-11ec-b8fd-9f1c10e43e8e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ba34ae212204dc7a41a3f6191ffef697]]></guid>
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    <item>
      <title>Don't Go into Debt for a Family Member (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 07 Jun 2019 20:36:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a37f51a6-f231-11ec-b8fd-87036c1f0547/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>They Paid Off $161K in 23 Months! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06072019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 07 Jun 2019 19:30:11 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a3e0099c-f231-11ec-b8fd-a34f3f98f85d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Shift Your Priorities When You Have to Relocate (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 06 Jun 2019 21:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a443308a-f231-11ec-b8fd-f7274127117f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bd4b62162568657c631e719aaa7ee6f3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3807202082.mp3?updated=1655908968" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Have to Respect the Budget (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 06 Jun 2019 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a4a3b158-f231-11ec-b8fd-ff79053788b9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[59400763e4d5c7d7b17edc1ea40c56a0]]></guid>
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    <item>
      <title>It's Time to Paint or Get off the Ladder! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 06 Jun 2019 19:35:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a576e74e-f231-11ec-b8fd-a39d1970d557/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6fc48b2fa030a715267dc27065ef5946]]></guid>
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    <item>
      <title>How to Talk to Friends About Money Issues (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 05 Jun 2019 21:34:16 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a5e0b444-f231-11ec-b8fd-ff941a37ea0c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Your Why Needs to Be Bigger Than Your "But" (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 05 Jun 2019 20:36:48 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a6440d96-f231-11ec-b8fd-834ab097bca9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[071ced4c75b6e7ac2389d78086d0ef75]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9175440698.mp3?updated=1655908970" length="0" type="audio/mpeg"/>
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    <item>
      <title>Wisdom is Knowledge That You Get to Apply (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06052019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 05 Jun 2019 19:30:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a6a5998a-f231-11ec-b8fd-9348dcac7b9a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[838c56d9e8d4e9be3f69714619682186]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3285421123.mp3?updated=1655908970" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Stop Being Complacent About Being Normal (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 04 Jun 2019 21:34:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a7224e6c-f231-11ec-b8fd-cfdf3e975db4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a2320e9c7f5b327b7e8684b9a75e16bd]]></guid>
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    <item>
      <title>You Can't Make People Respect Your Financial Choices (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 04 Jun 2019 20:36:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a7a380ae-f231-11ec-b8fd-cf39e37eb55b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[51afa745b8d644543fd1a23f5937c72b]]></guid>
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    <item>
      <title>How to Deal With Exchange Rates in Foreign Countries (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06042019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 04 Jun 2019 19:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8077992-f231-11ec-b8fd-4b9e9be38303/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>DAVE RANT: You're Not Stuck—Just Change! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 03 Jun 2019 21:34:14 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a888a5d0-f231-11ec-b8fd-ff4bb30cb0f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Accepting a Monetary Gift With Humility (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 03 Jun 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8f429a4-f231-11ec-b8fd-f743c646f98c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3cbbcf6050cf45d314a307b3e4f1323f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1959131676.mp3?updated=1655908973" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>It's Not an Emergency if it Hasn't Happened Yet (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/06032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 03 Jun 2019 19:35:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a95a835c-f231-11ec-b8fd-47a678c82ca9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b933f855f537d975e20c3c8a82e37009]]></guid>
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    <item>
      <title>When You Sow Discipline, You Reap Success (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05312019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 31 May 2019 21:34:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a9bd8858-f231-11ec-b8fd-f3734be5639c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[08f1431727de10d34ec2940d84ea4703]]></guid>
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    <item>
      <title>Set Boundaries With Your Parents! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05312019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 31 May 2019 20:36:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa23bb46-f231-11ec-b8fd-ebb491cb7294/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dealing With Car Insurance After an Accident (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05312019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 31 May 2019 19:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aab4875c-f231-11ec-b8fd-236a9562ebe2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>There Is No "Free"—You'll Pay for It Somehow (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 30 May 2019 21:34:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ab38a802-f231-11ec-b8fd-af303d38e5d9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d9db5a0398da3bb03c7c753e6c209959]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6782753277.mp3?updated=1655908975" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Debt Isn't a High Priority When Expecting a Baby (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 30 May 2019 20:36:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/abb5f06e-f231-11ec-b8fd-4f1b5ddeaf32/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6def2aa276dbb01ef3f0579cdcdab3b6]]></guid>
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    <item>
      <title>Caring for a Parent with Dementia (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 30 May 2019 19:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/acbf6b8e-f231-11ec-b8fd-5fbdbda8e4c9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f01fab6014895c126becf46036c84479]]></guid>
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    <item>
      <title>How to Find Affordable Term Life Insurance (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 29 May 2019 21:34:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad2bee9e-f231-11ec-b8fd-37b589c06288/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Advice on which Banks Give the Best Service (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 29 May 2019 20:36:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ad96b120-f231-11ec-b8fd-67a11307d1d7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Finish that Degree with Cash, then Attack the Debt! (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05292019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 29 May 2019 19:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/af08cf66-f231-11ec-b8fd-b3b0d913a110/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[809b5d74d597c2c9d3e197906cfc0910]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3923388382.mp3?updated=1655908978" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Sometimes the Problem Is the Marriage, Not Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 28 May 2019 21:34:08 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/afa4bae8-f231-11ec-b8fd-fbfcee99c311/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b81256649713bf65c1efd3ce5aa2932c]]></guid>
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    <item>
      <title>Investing in Your Side Business to Raise Your Income (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 28 May 2019 20:36:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b0085558-f231-11ec-b8fd-336cdb44e2be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1dce13fdde6e88b3be85c9870700424c]]></guid>
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    <item>
      <title>Financial Peace Gives You Actual Peace (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05282019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 28 May 2019 19:35:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b06febbe-f231-11ec-b8fd-8f57af77b53d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Stay Plugged in to Keep the Momentum Going! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 27 May 2019 21:34:09 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b12cc982-f231-11ec-b8fd-575365749431/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get the Rhythm of Saving for College in Your Life (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 27 May 2019 20:36:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b1966df6-f231-11ec-b8fd-0f7025751313/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[36163ee939e731420fbdbaad60ffae00]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1592657564.mp3?updated=1655908981" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Excellence in the Ordinary Will Make You Prosper (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05272019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 27 May 2019 19:35:02 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b21fe93c-f231-11ec-b8fd-efea3d3495b0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Best Way to Pay Off the House (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 24 May 2019 21:34:07 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b28f1d66-f231-11ec-b8fd-c7eef21741b3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1d34b99c03604b64cefb235433abe5a2]]></guid>
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    <item>
      <title>Debt-Free after 30 Years of Paying Student Loans! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 24 May 2019 20:36:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b2fdbfc8-f231-11ec-b8fd-af5c25eeba7e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>Are Sinking Funds Okay While Paying Off Debt? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 24 May 2019 19:35:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b36d5234-f231-11ec-b8fd-e76f2ea2ba8d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>3 Cs: Communication, Commitment and Consistency (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 23 May 2019 21:34:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b3d510a4-f231-11ec-b8fd-5b1815fc3b52/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[35e6899b79a4be63c22916c2da244be0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2862266431.mp3?updated=1655908983" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Freak-Out Mode Puts You in Desperate and Stupid Mode (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 23 May 2019 20:36:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b438d170-f231-11ec-b8fd-7fc2cc8bb11c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let Your Past Make Decisions for Your Future (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 23 May 2019 19:35:10 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b49d24fe-f231-11ec-b8fd-4bdd8273a333/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a19168c0260cdc2e9feeb2d94bcbce91]]></guid>
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    <item>
      <title>Tax Guys Should Not Do Financial Planning (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 22 May 2019 21:34:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b50480a4-f231-11ec-b8fd-cb674e30c8be/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2440</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    </item>
    <item>
      <title>You Can Make Good Money While Following Your Dream (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 22 May 2019 20:32:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b59cf7ee-f231-11ec-b8fd-575442440d6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d6f7956fa361ec13d186e7c17efe47be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4414199937.mp3?updated=1655908985" length="0" type="audio/mpeg"/>
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    <item>
      <title>Parents Should Be a Safety Net, Not a Hammock (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 22 May 2019 19:31:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b67473f4-f231-11ec-b8fd-7b0499181e43/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0cb3fb3d78280e2c3b01dbfe28c5ac62]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5626519050.mp3?updated=1655908986" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Treat the Budget Like a Signed Contract (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 21 May 2019 21:35:06 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b87344c8-f231-11ec-b8fd-bb9244a2609d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[cc3ca33f7f064421fb391927533898c6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3443241460.mp3?updated=1655908986" length="0" type="audio/mpeg"/>
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    <item>
      <title>Don't Screw with Your Retirement to Buy a House! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 21 May 2019 20:37:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b8e8f0c4-f231-11ec-b8fd-ff396418fd01/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d95eba8618f2edbcf1292a3065e3426a]]></guid>
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    <item>
      <title>You Don't Need Permission to Become a Millionaire (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05212019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!
 Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 21 May 2019 19:31:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b950481e-f231-11ec-b8fd-ef385b28ab99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!
 Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p> <p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>We Need to End the Student Loan Mess NOW! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 20 May 2019 21:35:04 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/b9d506f8-f231-11ec-b8fd-b7fd90d27826/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4bce42b2379d4a9ece18df4593ae44ae]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2820835708.mp3?updated=1655908988" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Combating Fatigue in Times of Severe Stress (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 20 May 2019 20:32:45 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ba88dc6e-f231-11ec-b8fd-bf3587ca00d2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[de7d0f966f7280e27341123e480ddf1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8620637198.mp3?updated=1655908988" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Get Ahead when You're Behind on Bills (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05202019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 20 May 2019 19:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bae617bc-f231-11ec-b8fd-b7b3aac81a53/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Finding the Balance Between School, Work and Sports (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 17 May 2019 21:35:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bbe3f396-f231-11ec-b8fd-a7e758d8024f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>A Debt-Free Birthday Scream from London (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 17 May 2019 20:37:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bc563bfe-f231-11ec-b8fd-9f84d3b8ed99/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time to Address the Student Loan Crisis (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 17 May 2019 19:31:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bce59a10-f231-11ec-b8fd-2fe3dedff899/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1aec5eed64ba872dc5facd894e35874a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3888393753.mp3?updated=1655908990" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>You Don't Earn It Unless You Can Pay Cash for It (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 16 May 2019 21:35:03 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be171b3e-f231-11ec-b8fd-bb19ce3c3b8a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[91a74877562bc6815277a8aa84d85bab]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM2635443978.mp3?updated=1655908991" length="0" type="audio/mpeg"/>
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    <item>
      <title>Seizing Opportunities to Get in a Job You Love (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 16 May 2019 20:32:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be78fc3c-f231-11ec-b8fd-8b32f4ba1565/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ab88e759907240a1694e8409aa16ccb5]]></guid>
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    <item>
      <title>How to Manage the Home Building Process (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 16 May 2019 19:31:38 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/beecc004-f231-11ec-b8fd-3f071e996287/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>The Secret to Sustainable Career Success (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 15 May 2019 21:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bf5a3d0a-f231-11ec-b8fd-fb0c817ea388/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Stay in Debt to Keep Insurance on a Tractor! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 15 May 2019 20:32:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c12f8162-f231-11ec-b8fd-9fc798b52786/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3092378521.mp3?updated=1655908993" length="0" type="audio/mpeg"/>
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    <item>
      <title>Changing Self-Destructive Behavior Patterns (Hour 1)	</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 15 May 2019 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c19463f2-f231-11ec-b8fd-bb682eea364a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4c16f2cfa57f8034756ea3667b1a8d66]]></guid>
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    <item>
      <title>Leasing a Vehicle Is the Most Expensive Way to Drive (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 14 May 2019 21:34:58 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4354018-f231-11ec-b8fd-23e453b7dfc7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Is It Smart to Use a 401(k) Loan to Pay Student Debt? (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 14 May 2019 20:37:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c4b9d4c2-f231-11ec-b8fd-a376e56c44b6/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dreams Don't Accidentally Come True (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05142019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>The show about you</description>
      <pubDate>Tue, 14 May 2019 19:31:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5248218-f231-11ec-b8fd-63d416d96707/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>The show about you</itunes:subtitle>
      <itunes:summary>The show about you</itunes:summary>
      <content:encoded>
        <![CDATA[<p>The show about you</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[27f8a45a4bece4c51f4cd10f909c9285]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6351976407.mp3?updated=1655908995" length="0" type="audio/mpeg"/>
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    <item>
      <title>YOU Are Your Secret Sauce (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 13 May 2019 21:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c590b6a4-f231-11ec-b8fd-dff2f2c32a49/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1917559857.mp3?updated=1655908995" length="0" type="audio/mpeg"/>
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    <item>
      <title>Boom, Baby, Boom! The Proximity Principle Is Here! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 13 May 2019 20:37:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c5feee26-f231-11ec-b8fd-67516d083064/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5d07dd052e82bc866e99a065221dca0c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8176799918.mp3?updated=1655908996" length="0" type="audio/mpeg"/>
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    <item>
      <title>Not Having a Will Is Irresponsible and Ridiculous (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05132019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 13 May 2019 19:31:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c66973b8-f231-11ec-b8fd-572c9375d733/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[40051ac21989a3afbf63468a399789e5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1627594917.mp3?updated=1655908996" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Make One-to-One Connections Instead of Networking</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 10 May 2019 21:34:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c6d1a3d4-f231-11ec-b8fd-07efb4088b3a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a4e431b123dbf0cc53e365b41ada3cad]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5347994318.mp3?updated=1655908997" length="0" type="audio/mpeg"/>
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    <item>
      <title>Define Your Relationship With Money</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 10 May 2019 20:38:12 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c7956274-f231-11ec-b8fd-ab1e3ca89fcb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[87097153bc64869822ae525314324b87]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5383854164.mp3?updated=1655908997" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>DAVE RANT: Clean Up Your Mess!</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05102019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 10 May 2019 19:31:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c89f5ef4-f231-11ec-b8fd-53e1686f2813/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[817c20c0288bd18084a020ab0bcc2d4f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3304568384.mp3?updated=1655908998" length="0" type="audio/mpeg"/>
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    <item>
      <title>How Do You Maintain Company Culture? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05092019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 09 May 2019 21:34:55 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9040c46-f231-11ec-b8fd-370227900462/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[86ad7527323db2380ff3f09c97f66eab]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4303405892.mp3?updated=1655908998" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Renting Isn’t a Long-Term Strategy (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05092019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 09 May 2019 20:32:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c966d3c6-f231-11ec-b8fd-9b2b4bf1623e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9f78417738c6a51efdb621a213465eba]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7911240306.mp3?updated=1655908999" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Move to a Different State Responsibly (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05092019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 09 May 2019 19:31:32 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c9c77fe6-f231-11ec-b8fd-03058858271b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d397291165e8d249d6df13aafd996e91]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4848541888.mp3?updated=1655908999" length="0" type="audio/mpeg"/>
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    <item>
      <title>What to Do if You Don't Qualify for Life Insurance (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 08 May 2019 21:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca241670-f231-11ec-b8fd-179d0fc6cdda/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Here: The National Study of Millionaires White Paper (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 08 May 2019 20:32:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ca8c7a4e-f231-11ec-b8fd-63578d5e17dc/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1597974101.mp3?updated=1655909000" length="0" type="audio/mpeg"/>
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    <item>
      <title>Laying a Foundation for Your Desired Future (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05082019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 08 May 2019 19:31:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cb361004-f231-11ec-b8fd-5bdd3fa0d016/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e9decdf994dc6b9132c6e07e80f00058]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4312005170.mp3?updated=1655909001" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Making Money Decisions While Dealing with Emotional Stress (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 07 May 2019 21:35:01 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cba06256-f231-11ec-b8fd-93023ba5a80d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[439ec567f5c89cbe3fdbaa59188cf816]]></guid>
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    <item>
      <title>DAVE RANT: Renting Versus Buying a Home (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 07 May 2019 20:37:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc03abfe-f231-11ec-b8fd-03f8a9919510/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[5020ace3bffd7ddee774188e801ae0c0]]></guid>
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    <item>
      <title>The Best Mortgage You Can Get (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05072019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 07 May 2019 19:31:29 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cc7a8148-f231-11ec-b8fd-bb493a21425a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Dave Explains Low Turnover Mutual Funds (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 06 May 2019 21:34:53 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cd8a87ea-f231-11ec-b8fd-6be7270aeea7/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Debt-Free: All They Did Was Stop the "ish" (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 06 May 2019 20:32:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce19d580-f231-11ec-b8fd-af16c5489682/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[1482bd049d89e79baf81fcf403ce1b1e]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6362715558.mp3?updated=1655909003" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Not Use Credit Cards for Unplanned Expenses? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05062019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 06 May 2019 19:31:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ced23986-f231-11ec-b8fd-43f962436c0b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2445</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d8b945b6e7c8c892060d2e04901226d]]></guid>
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    <item>
      <title>Overcome the Debt Struggle by Budgeting Every Dollar  (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 03 May 2019 21:34:49 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cf412ba2-f231-11ec-b8fd-072a2f5fb94f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ec03ba6d808545d8655fcd6509bb536a]]></guid>
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    <item>
      <title>Follow the Formula: Hard Work + Focus (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 03 May 2019 20:32:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cfcbb7f4-f231-11ec-b8fd-27950f774b37/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Happens in Vegas Stays on the Credit Card (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05032019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 03 May 2019 19:31:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d058c144-f231-11ec-b8fd-3f4b6b03bbec/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b524cf500a97ba6836e71570caf77853]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3541731673.mp3?updated=1655909005" length="0" type="audio/mpeg"/>
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    <item>
      <title>Resist Short-Term Wants to Reach Long-Term Goals (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05022019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 02 May 2019 21:34:51 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d0e23d84-f231-11ec-b8fd-1372e1f4e64d/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0adffc1444dddfd6a7fd1237ee15f770]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5274550461.mp3?updated=1655909006" length="0" type="audio/mpeg"/>
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    <item>
      <title>Set Your Target, then Set Your Plan (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05022019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 02 May 2019 20:37:43 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d16958be-f231-11ec-b8fd-bfe94723a2c4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[641449bfb7937f54b3ce67d68b879520]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4819668169.mp3?updated=1655909006" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Save Money on Household Items (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05022019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 02 May 2019 19:31:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d1ca1122-f231-11ec-b8fd-83c489db0800/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0c3f9487739b39192f0975e68d51a3f5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9459135416.mp3?updated=1655909007" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Prioritize Spending Your "Extra" Money from Tips (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 01 May 2019 21:34:54 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d227dac8-f231-11ec-b8fd-d7517daefd24/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Why You Spend Less When Paying with Cash (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 01 May 2019 20:32:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d2893778-f231-11ec-b8fd-6fc358dd3dea/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Trying Again after a Failed Small Business Attempt (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/05012019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 01 May 2019 19:31:30 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3071850-f231-11ec-b8fd-d3b3ca758a6c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2442</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[44ad3233047942054305ef0283660d3b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1098399184.mp3?updated=1655909009" length="0" type="audio/mpeg"/>
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    <item>
      <title>Next Steps for College Students Who Are Graduating Debt-Free (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 30 Apr 2019 21:35:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d378e28c-f231-11ec-b8fd-b37221259ec4/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2436</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[b03c408e9326ff78ad5adcc89e04c196]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7893504168.mp3?updated=1655909009" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Assess the Risk of Putting Money in the S&amp;P500 (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 30 Apr 2019 20:32:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d3da91b2-f231-11ec-b8fd-ffda184b8cf0/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>What Percent of Small Business Profit Should You Pay Yourself? (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04302019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 30 Apr 2019 19:31:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d44f5524-f231-11ec-b8fd-f329f1428e6f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Should Chris Buy a $9,300 Bed Interest-Free? (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 29 Apr 2019 21:34:57 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d4e799c4-f231-11ec-b8fd-93e3d867d80e/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Ashley from Atlanta Paid Off $90K in 1 Year! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 29 Apr 2019 20:37:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d546450a-f231-11ec-b8fd-5bb8dc31701a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2435</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[99666c80aa7bfdd3d0e09de817baf62d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM5826506279.mp3?updated=1655909011" length="0" type="audio/mpeg"/>
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    <item>
      <title>Dave’s Tips on Buying a Used Car (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04292019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 29 Apr 2019 19:31:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d5ab3bea-f231-11ec-b8fd-1717538b795f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0cc784b25e7fcddfabbf1b0e2fc7df05]]></guid>
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    <item>
      <title>Stop Networking and Get Connected to a Job You Love (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 26 Apr 2019 21:34:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d60f44aa-f231-11ec-b8fd-0b447edf8fa9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0423c04606446b61d29aba8bf95e4a08]]></guid>
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    <item>
      <title>You Can't Out-Earn Your Stupidity (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 26 Apr 2019 20:32:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d671a5be-f231-11ec-b8fd-0fa37091a1ab/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Keeping Debt for the Tax Deduction Is a Stupid Plan (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04262019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 26 Apr 2019 19:31:20 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d6d2572e-f231-11ec-b8fd-2b4b87d3c2d1/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2444</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9524481883.mp3?updated=1655909013" length="0" type="audio/mpeg"/>
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    <item>
      <title>Debt-free, Cancer-free and Giving Like No One Else (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04252019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 25 Apr 2019 21:35:05 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d73489b2-f231-11ec-b8fd-63a1982c3acd/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[223c18b9b75ec995a3748fd01975d8ed]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4584134704.mp3?updated=1655909014" length="0" type="audio/mpeg"/>
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    <item>
      <title>Nonworking Spouses Need Equal Say in the Budget (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04252019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 25 Apr 2019 20:32:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d7a4017a-f231-11ec-b8fd-674d680a7cb2/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[2a39bbf4a8c8d2ae18eec2ea7c487922]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8347068953.mp3?updated=1655909014" length="0" type="audio/mpeg"/>
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    <item>
      <title>Priority Number One: Conquering Addiction (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04252019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 25 Apr 2019 19:31:23 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d81c7b14-f231-11ec-b8fd-a701ec03f91b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2503</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[a938b8f7f282ad5c803b29d4471d0104]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7722621949.mp3?updated=1655909015" length="0" type="audio/mpeg"/>
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    <item>
      <title>Advice for Graduates on Handling Student Loan Debt (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 24 Apr 2019 21:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8806354-f231-11ec-b8fd-775a95ba0228/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <itunes:duration>2499</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>If You Don't Have a WHY, Find One (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 24 Apr 2019 20:37:33 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8e33236-f231-11ec-b8fd-4b986c19d6f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM1339042795.mp3?updated=1655909015" length="0" type="audio/mpeg"/>
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    <item>
      <title>Success with Money Magnifies Envy and Jealousy in People (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04242019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 24 Apr 2019 19:31:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d9af33ea-f231-11ec-b8fd-cfb8bfb9346b/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2501</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ccc557221c7dbea0965009e3dff6cb2d]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM7794501235.mp3?updated=1655909020" length="0" type="audio/mpeg"/>
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    <item>
      <title>Thoughts on Elizabeth Warren's Free College Plan (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 23 Apr 2019 21:34:46 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da140d38-f231-11ec-b8fd-3bb1b80e3311/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[290607c45fb479f9f6c0f3f29860324f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM3758700576.mp3?updated=1655909017" length="0" type="audio/mpeg"/>
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    <item>
      <title>Become Self-Insured with Good Financial Planning (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 23 Apr 2019 20:37:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dba7c8a6-f231-11ec-b8fd-bbdfa70e7797/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2498</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[41f26f80b8ea1859d75800c812b4a7c9]]></guid>
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    <item>
      <title>Carly Fiorina and Dave Discuss the Importance of Character (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04232019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 23 Apr 2019 19:31:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ddeb461a-f231-11ec-b8fd-ebe560ed330c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Get Off Your Assumptions and Go Do Something (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 22 Apr 2019 21:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/de4faa88-f231-11ec-b8fd-13d3885a22aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4561006238.mp3?updated=1655909019" length="0" type="audio/mpeg"/>
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    <item>
      <title>Being Emotionally Drained Doesn't Make You Weak (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 22 Apr 2019 20:37:34 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/defa6d6a-f231-11ec-b8fd-db0a8998e5f5/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2495</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM4426421360.mp3?updated=1655909019" length="0" type="audio/mpeg"/>
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    <item>
      <title>Love Someone Enough to Hurt Their Feelings (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04222019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 22 Apr 2019 19:31:36 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e04fd218-f231-11ec-b8fd-97cea66ed1cf/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2505</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[ffd1def622e8ae3d49ee259545bbf7c5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9572455683.mp3?updated=1655909020" length="0" type="audio/mpeg"/>
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    <item>
      <title>A Happy Marriage Starts by Being on the Same Page (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 19 Apr 2019 21:34:42 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e0f4c598-f231-11ec-b8fd-f72e4d310f9f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[9cde051b836539d330ef5d8aeb084398]]></guid>
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    <item>
      <title>Blackmailed into Following the Baby Steps (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 19 Apr 2019 20:32:25 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e190e7fc-f231-11ec-b8fd-176fe03646aa/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2437</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Stop Swimming with a Boat Anchor Strapped to Your Ankle (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04192019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Fri, 19 Apr 2019 19:31:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e25f3cd8-f231-11ec-b8fd-e34b4160fd07/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2504</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Make Peace with Being Weird—It's Worth It! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04182019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 18 Apr 2019 21:34:52 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e41522c2-f231-11ec-b8fd-e70cb1a2758c/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d8b57f3e8d88288b527e0dc962f79d1f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM8163789162.mp3?updated=1655909022" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Millionaire Path Is Clear and Available to Everyone (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04182019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 18 Apr 2019 20:37:26 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e52046a6-f231-11ec-b8fd-2b8fcf5a16f3/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[afb2385214f9f83b23d963247f0df8c9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM9596601566.mp3?updated=1655909022" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Solid Advice on Getting a Degree without Student Loans (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04182019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Thu, 18 Apr 2019 19:31:37 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e5b12eaa-f231-11ec-b8fd-9f51c00d2764/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2443</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7d63fb5bb8df60f048e8ca583384eb44]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/RM6426119566.mp3?updated=1655909023" length="0" type="audio/mpeg"/>
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    <item>
      <title>Buckle Down, Budget, and Pay Off that House! (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 17 Apr 2019 21:34:40 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e77920da-f231-11ec-b8fd-03d8b47766df/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2439</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Don't Let the Loan Sharks Own You—Set the Hook! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 17 Apr 2019 20:37:31 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8f3f07a-f231-11ec-b8fd-3bd996f14c47/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2497</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Chris Hogan Answers Your Retirement Questions (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04172019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Wed, 17 Apr 2019 19:31:17 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e9e27a56-f231-11ec-b8fd-9fb83b4c1a4a/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2502</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>It's Time to Give, Invest and Enjoy Your Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 16 Apr 2019 21:34:47 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eac74c80-f231-11ec-b8fd-5f7d2f8c93cb/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[4d0ba197e2e8359d5add20352187aa91]]></guid>
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    <item>
      <title>Be Intentional and Rely on God to Multiply Your Efforts! (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 16 Apr 2019 20:32:24 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eb55f822-f231-11ec-b8fd-f7d5e73a321f/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
      </content:encoded>
      <itunes:duration>2438</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f5243b45e884f2281e077df1335e125f]]></guid>
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    <item>
      <title>Generosity in the Aftermath of the Notre Dame Fire (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04162019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Tue, 16 Apr 2019 19:31:22 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ecba350c-f231-11ec-b8fd-9b18d250f701/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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    <item>
      <title>There's No Shame in Making Money (Hour 3)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152019_the_dave_ramsey_show_archive_3.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 15 Apr 2019 21:34:39 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/edaf640a-f231-11ec-b8fd-975fe6ac1072/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <title>Why You Shouldn't Use Student Loans to Pay Credit Cards (Hour 2)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152019_the_dave_ramsey_show_archive_2.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 15 Apr 2019 20:37:27 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ee64d088-f231-11ec-b8fd-376eb5965014/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <title>Input on Paying Quarterly Taxes on a Side Business (Hour 1)</title>
      <link>https://traffic.libsyn.com/secure/draudioarchives/04152019_the_dave_ramsey_show_archive_1.mp3</link>
      <description>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</description>
      <pubDate>Mon, 15 Apr 2019 19:31:18 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Ramsey Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ef15d298-f231-11ec-b8fd-abd416cb36f9/image/logo_220221.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Get Started on Your Debt-Free Journey We’ve made it even easier to get started taking control of your money.   How Fast Can You Be Debt-Free? You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our  will show...</itunes:subtitle>
      <itunes:summary>Get Started on Your Debt-Free Journey
 We’ve made it even easier to get started taking control of your money.  Learn How!
 How Fast Can You Be Debt-Free?
 You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our Debt Calculator will show you how quickly you could be out debt!
  
 Get the Complete Guide to Budgeting.
 Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. Get the Complete Guide to Budgeting.
  
 Get the Coverage You Need.
 How does your coverage stack up? This Coverage Checkup will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.
  
 Find the Right Financial Advisor.
 Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. Get the guide!
   
 Listen and Watch
 Anytime, Anywhere.
  
 The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!</itunes:summary>
      <content:encoded>
        <![CDATA[<p><strong>Get Started on Your Debt-Free Journey</strong></p> <p>We’ve made it even easier to get started taking control of your money.  <a href="http://bit.ly/2WKvig8">Learn How!</a></p> <p><strong>How Fast Can You Be Debt-Free?</strong></p> <p>You don’t have to be in debt for the rest of your life! Answer 5 simple questions and our <a href="http://bit.ly/2QIoSPV">Debt Calculator</a> will show you how quickly you could be out debt!</p> <p> </p> <p><strong>Get the Complete Guide to Budgeting.</strong></p> <p>Budgeting is often misunderstood and overcomplicated. It doesn't have to be! We made it simple. After 90 days of budgeting with EveryDollar, 9 out of 10 users feel more confident in their financial future. <a href="http://bit.ly/2QEyonc">Get the Complete Guide to Budgeting.</a></p> <p> </p> <p><strong>Get the Coverage You Need.</strong></p> <p>How does your coverage stack up?<strong> </strong><a href="http://bit.ly/2BrqEuo">This Coverage Checkup</a> will show you what you need (and don’t need), which questions to ask, and where to get the best coverage.</p> <p> </p> <p><strong>Find the Right Financial Advisor.</strong></p> <p>Finding the right financial advisor doesn't have to be complicated. Our free guide makes it easy to know what questions to ask so you can make a confident choice. <a href="http://bit.ly/2BuGnZE">Get the guide</a>!</p> <p>  </p> <p><strong>Listen and Watch</strong></p> <p><strong>Anytime, Anywhere.</strong></p> <p> </p> <p><a href="https://www.daveramsey.com/show/app"><em>The Dave Ramsey Show</em> app</a> lets you download episodes for offline playback, customize your content, and see what’s coming up!</p>]]>
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      <title>You Have Tremendous Power Over Your Future (Hour 3)</title>
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      <description>The show about you</description>
      <pubDate>Fri, 12 Apr 2019 21:34:35 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>The show about you</itunes:subtitle>
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      <title>Where Is All Your Dadgum Money Going? (Hour 2)</title>
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      <pubDate>Fri, 12 Apr 2019 20:32:21 -0000</pubDate>
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      <title>The Deeper You Sacrifice the Faster You Win (Hour 1)</title>
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      <title>Ego Makes You Live a Lifestyle You Can't Afford (Hour 3)</title>
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      <pubDate>Thu, 11 Apr 2019 21:34:58 -0000</pubDate>
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      <title>Step One: Commit to NO MORE DEBT (Hour 2)</title>
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      <description>The show about you</description>
      <pubDate>Thu, 11 Apr 2019 20:37:17 -0000</pubDate>
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      <title>Saving for Your Next Car Purchase (Hour 1)</title>
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      <pubDate>Thu, 11 Apr 2019 19:31:16 -0000</pubDate>
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